General Motors Financial (ACF) 10-K 3 Feb 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information Document - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Feb. 02, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Trading Symbol	acf
Entity Registrant Name	General Motors Financial Company, Inc.
Entity Central Index Key	804,269
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Common Stock, Shares Outstanding		505
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 0

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 3,061	$ 2,974
Finance receivables, net	36,781	33,000
Leased vehicles, net	20,172	7,060
Restricted cash	1,941	2,071
Goodwill	1,189	1,244
Equity in net assets of non-consolidated affiliates (Note 7)	986	0
Property and equipment, net of accumulated depreciation of $91 and $59	219	172
Deferred income taxes	231	341
Related party receivables	573	384
Other assets	751	362
Total assets	65,904	47,608
Liabilities
Secured debt	30,689	25,173
Unsecured debt	23,657	12,142
Accounts payable and accrued expenses	1,218	1,002
Deferred income	1,454	392
Deferred income taxes	129	20
Related party taxes payable	0	636
Related party payables	362	433
Other liabilities	343	418
Total liabilities	$ 57,852	$ 40,216
Commitments and contingencies
Shareholder's equity:
Common stock, $1.00 par value per share, 1,000 shares authorized and 505 shares issued	$ 0	$ 0
Additional paid-in capital	6,484	5,799
Accumulated other comprehensive loss	(1,104)	(433)
Retained earnings	2,672	2,026
Total shareholder's equity	8,052	7,392
Total liabilities and shareholder's equity	$ 65,904	$ 47,608

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Common Stock, Number of Shares, Par Value and Other Disclosures [Abstract]
Common stock par value per share	$ 1	$ 1
Common Stock, Shares Authorized	1,000	1,000
Common Stock, Shares issued	505	505
Accumulated depreciation	$ 91	$ 59

Consolidated Statements Of Inco

Consolidated Statements Of Income And Comprehensive Income - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenue
Finance charge income	$ 3,381	$ 3,475	$ 2,563
Leased vehicle income	2,807	1,090	595
Other income	266	289	186
Total revenue	6,454	4,854	3,344
Costs and expenses
Salaries and benefits	726	614	448
Other operating expenses	567	548	322
Total operating expenses	1,293	1,162	770
Leased vehicle expenses	2,200	847	453
Provision for loan losses	624	604	475
Interest expense	1,616	1,426	721
Acquisition and integration expenses	0	0	42
Total costs and expenses	5,733	4,039	2,461
Equity income	116	0	0
Income before income taxes	837	815	883
Income tax provision	191	278	317
Net income	646	537	566
Other comprehensive income
Defined benefit plans, net	(2)	(14)	3
Foreign currency translation adjustment	(669)	(430)	11
Other comprehensive (loss) income, net	(671)	(444)	14
Comprehensive (loss) income	$ (25)	$ 93	$ 580

Consolidated Statements of Shar

Consolidated Statements of Shareholder's Equity - USD ($) $ in Millions	Total	Common Stock [Member]	Additional Paid-in Capital [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Retained Earnings [Member]
Balance at beginning of period (shares) at Dec. 31, 2012		500
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)		2
Balance at end of period (shares) at Dec. 31, 2013		502
Balance at beginning of period at Dec. 31, 2012		$ 0	$ 3,459	$ (3)	$ 923
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued		0
Stock-based compensation expense			10
Capital contributions from related party			1,300
Differences between tax payments due under consolidated return and separate return basis			16
Other comprehensive (loss) income, net				14
Net income	$ 566				566
Balance at end of period at Dec. 31, 2013		$ 0	4,785	11	1,489
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)		3
Balance at end of period (shares) at Dec. 31, 2014		505
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued		$ 0
Stock-based compensation expense			18
Capital contributions from related party			996
Differences between tax payments due under consolidated return and separate return basis			0
Other comprehensive (loss) income, net				(444)
Net income	537				537
Balance at end of period at Dec. 31, 2014	7,392	$ 0	5,799	(433)	2,026
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued (shares)		0
Balance at end of period (shares) at Dec. 31, 2015		505
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Common stock issued		$ 0
Stock-based compensation expense			35
Capital contributions from related party			649
Differences between tax payments due under consolidated return and separate return basis			1
Other comprehensive (loss) income, net				(671)
Net income	646				646
Balance at end of period at Dec. 31, 2015	$ 8,052	$ 0	$ 6,484	$ (1,104)	$ 2,672

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities
Net income	$ 646	$ 537	$ 566
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	2,403	992	545
Accretion and amortization of loan and leasing fees	(609)	(363)	(88)
Amortization of carrying value adjustment	(149)	(234)	(94)
Equity income	(116)	0	0
Provision for loan losses	624	604	475
Deferred income taxes	132	(83)	179
Stock-based compensation expense	36	19	9
Other	(37)	182	(167)
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets	(104)	(88)	(127)
Accounts payable and accrued expenses	282	133	195
Taxes payable	(20)	(63)	20
Related party taxes payable	(636)	(7)	84
Related party payables	(13)	5	(39)
Net cash provided by operating activities	2,439	1,634	1,558
Cash flows from investing activities
Purchases of retail finance receivables, net	(17,517)	(14,749)	(9,573)
Principal collections and recoveries on retail finance receivables	11,726	10,860	7,524
Net funding of commercial finance receivables	(1,017)	(1,898)	(1,266)
Purchases of leased vehicles, net	(15,337)	(4,882)	(2,262)
Proceeds from termination of leased vehicles	1,096	533	217
Acquisition of international operations	(1,049)	(46)	(2,615)
Disposition of equity interest	125	0	0
Purchases of property and equipment	(90)	(52)	(16)
Change in restricted cash	(264)	(232)	(267)
Change in other assets	30	(2)	3
Net cash used in investing activities	(22,297)	(10,468)	(8,255)
Cash flows from financing activities
Net change in debt (original maturities less than three months)	1,147	470	0
Borrowings and issuance of secured debt	22,385	21,080	17,378
Payments on secured debt	(15,178)	(16,890)	(13,222)
Borrowings and issuance of unsecured debt	12,977	7,174	5,224
Payments on unsecured debt	(1,709)	(1,889)	(2,699)
Borrowings on related party line of credit	0	0	1,100
Payments on related party line of credit	0	0	(1,100)
Repayment of debt to Ally Financial	0	0	(1,416)
Capital contributions from related party	649	996	1,300
Debt issuance costs	(155)	(127)	(76)
Other	1	0	2
Net cash provided by financing activities	20,117	10,814	6,491
Net increase (decrease) in cash and cash equivalents	259	1,980	(206)
Effect of foreign exchange rate changes on cash and cash equivalents	(172)	(80)	(9)
Cash and cash equivalents at beginning of period	2,974	1,074	1,289
Cash and cash equivalents at end of period	$ 3,061	$ 2,974	$ 1,074

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies History and Operations We were formed on August 1, 1986, and, since September 1992, have been in the business of providing automotive financing solutions. We have been a wholly-owned subsidiary of GM since October 2010. We acquired Ally Financial's auto finance and financial services operations in Europe and Latin America in 2013. Additionally, on January 2, 2015, we acquired an equity interest in SAIC-GMAC, a joint venture that conducts business in China, from Ally Financial. The results of operations of the acquired entities since the applicable acquisition dates are included in our consolidated financial statements for the years ended December 31, 2015, 2014 and 2013. Basis of Presentation The consolidated financial statements include our accounts and the accounts of our wholly-owned subsidiaries, including certain special-purpose financing entities utilized in secured financing transactions, which are considered variable interest entities ("VIEs"). All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions which affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and costs and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. These estimates include, among other things, the determination of the allowance for loan losses on finance receivables, estimated residual value of leased vehicles, goodwill and income taxes. Generally, the financial statements of entities that operate outside of the U.S. are measured using the local currency as the functional currency. All assets and liabilities of the foreign subsidiaries are translated into U.S. dollars at period-end exchange rates and the results of operations and cash flows are determined using approximate weighted-average exchange rates for the period. Translation adjustments are related to the foreign subsidiaries using local currency as their functional currency and are reported as a separate component of accumulated other comprehensive income/loss. Foreign currency transaction gains or losses are recorded directly to the consolidated statements of income and comprehensive income, regardless of whether such amounts are realized or unrealized. We may enter into foreign currency derivatives to mitigate our exposure to changes in foreign exchange rates. See Note 10 - "Derivative Financial Instruments and Hedging Activities" for further discussion. Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt Our commercial finance receivables are primarily comprised of floorplan financing, which are loans to dealers to finance vehicle inventory, also known as wholesale or inventory financing. In our experience, these loans are typically repaid in less than 90 days of when the credit is extended. Furthermore, we typically have the unilateral ability to call the loans and receive payment within 60 days of the call. Therefore, the presentation of the cash flows related to commercial finance receivables are reflected on the consolidated statements of cash flows as "Net funding of commercial finance receivables." We have revolving debt agreements to finance our commercial lending activities. The revolving period of these agreements ranges from 6 to 18 months; however, the terms of these financing agreements require that a borrowing base of eligible floorplan receivables, within certain concentration limits, must be maintained in sufficient amounts to support advances. When a dealer repays a floorplan receivable to us, either the amount advanced against such receivables must be repaid by us or else the equivalent amount in new receivables must be added to the borrowing base. Despite the revolving term exceeding 90 days , the actual term for repayment of advances under these agreements is when we receive repayment from the dealers, which is typically within 90 days of when the credit is extended. Therefore, the cash flows related to these revolving debt agreements are reflected on the consolidated statements of cash flows as “Net change in debt (original maturities less than three months).” Cash Equivalents Investments in highly liquid securities with original maturities of 90 days or less are included in cash and cash equivalents. Retail Finance Receivables and the Allowance for Loan Losses Our retail finance receivables portfolio consists of smaller-balance, homogeneous loans which are carried at amortized cost, net of allowance for loan losses. These loans are divided among pools based on common risk characteristics, such as internal credit score, origination period, delinquent status and geography. An internal credit score, of which FICO is an input in North America, is created by using algorithms or statistical models contained in origination scorecards. The scorecards are used to evaluate a consumer’s ability to pay based on statistical modeling of their prior credit usage, structure of the loan and other information. The output of the scorecards rank-order consumers from those that are most likely to pay to those that are least likely to pay. By further dividing the portfolio into pools based on internal credit scores we are better able to distinguish expected credit performance for different credit risks. These pools are collectively evaluated for impairment based on a statistical calculation, which is supplemented by management judgment. The allowance is aggregated for each of the pools. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable losses inherent in our finance receivables. We use a combination of forecasting methodologies to determine the allowance for loan losses, including roll rate modeling and static pool modeling techniques. A roll rate model is generally used to project near term losses and static pool models are generally used to project losses over the remaining life. Probable losses are estimated for groups of accounts aggregated by past-due status and origination month. Generally, loss experience over the last 10 years is evaluated. Recent performance is more heavily weighted when determining the allowance to result in an estimate that is more reflective of the current internal and external environments. Factors that are considered when estimating the allowance include historical delinquency migration to loss, probability of default ("PD") and loss given default ("LGD"). PD and LGD are specifically estimated for each monthly vintage (i.e., group of originations) in cases where vintage models are used. PD is estimated based on expectations that are aligned with internal credit scores. LGD is projected based on historical trends experienced over the last 10 years, weighted toward more recent performance in order to consider recent market supply and demand factors that impact wholesale used vehicle pricing. While forecasted probable losses are quantitatively derived, we assess the recent internal operating and external environments and may qualitatively adjust certain assumptions to result in an allowance that is more reflective of losses that are expected to occur in the current environment. We also use historical charge-off experience to determine a loss confirmation period ("LCP"). The LCP is a key assumption within our models and represents the average amount of time between when a loss event first occurs to when the receivable is charged-off. This LCP is the basis of our allowance and is applied to the forecasted probable credit losses to determine the amount of losses we believe exist at the balance sheet date. We believe these factors are relevant in estimating incurred losses and also consider an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, changes in the legal and regulatory environment, general economic conditions and business trends and uncertainties in forecasting and modeling techniques used in estimating our allowance. We update our retail loss forecast models and portfolio indicators on a quarterly basis to incorporate information reflective of the current economic environment. Assumptions regarding credit losses and loss confirmation periods are reviewed periodically and may be impacted by actual performance of finance receivables and changes in any of the factors discussed above. Should the credit loss assumption or LCP increase, there would be an increase in the amount of allowance for loan losses required, which would decrease the net carrying value of finance receivables and increase the amount of provision for loan losses. Finance receivables that are considered impaired, including troubled debt restructurings ("TDRs") are individually evaluated for impairment. In assessing the risk of individually impaired loans such as TDRs, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience, and industry-specific information that management believes is relevant in determining the occurrence of a loss event and measuring impairment. These factors are based on an evaluation of historical and current information, and involve subjective assessment and interpretation. Commercial Finance Receivables and the Allowance for Loan Losses Our commercial lending offerings consist of floorplan financing as well as dealer loans, which are loans to finance improvements to dealership facilities, to provide working capital, and to purchase and/or finance dealership real estate. Commercial finance receivables are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the commercial finance receivables. For the International Segment, we established the allowance for loan losses based on historical loss experience. Since we began offering commercial lending in the North America Segment in 2012, we have performed an analysis of the experience of comparable commercial lenders in order to estimate probable credit losses inherent in our portfolio. The commercial finance receivables are aggregated into loan-risk pools, which are determined based on our internally-developed risk rating system. Based upon our risk ratings, we also determine if any specific dealer loan is considered impaired. If impaired loans are identified, specific reserves are established, as appropriate, and the loan is segregated for separate monitoring. Charge-off Policy Our policy is to charge off a retail account in the month in which the account becomes 120 days contractually delinquent if we have not yet recorded a repossession charge-off. In the North America Segment, we charge off accounts in repossession when the automobile is repossessed and legally available for disposition. In the International Segment, we charge off accounts when the repossession process is started. A charge-off generally represents the difference between the estimated net sales proceeds and the amount of the contract, including accrued interest. Accounts in repossession that have been charged off and have been removed from finance receivables and the related repossessed automobiles, aggregating $54 million and $31 million at December 31, 2015 and 2014 , are included in other assets on the consolidated balance sheets pending sale and represent a non-cash investing activity. Commercial finance receivables are individually evaluated and, where collectability of the recorded balance is in doubt, are written down to the fair value of the collateral less costs to sell. Commercial receivables are charged off at the earlier of when they are deemed uncollectible or reach 360 days past due. Troubled Debt Restructurings In evaluating whether a loan modification constitutes a TDR, our policy for retail loans is that both of the following must exist: (i) the modification constitutes a concession; and (ii) the debtor is experiencing financial difficulties. In accordance with our policies and guidelines, we, at times, offer payment deferrals to customers. Each deferral allows the consumer to move up to two delinquent monthly payments to the end of the loan generally by paying a fee (approximately the interest portion of the payment deferred, except where state law provides for a lesser amount). A loan that is deferred two or more times would be considered significantly delayed and therefore meets the definition of a concession. A loan currently in payment default as the result of being delinquent would also represent a debtor experiencing financial difficulties. Therefore, considering these two factors, we have determined that the second deferment granted by us on a retail loan will be considered a TDR and the loan impaired. Accounts in Chapter 13 bankruptcy that have an interest rate or principal adjustment as part of a confirmed bankruptcy plan would also be considered TDRs. Retail finance receivables that become classified as TDRs are separately assessed for impairment. A specific allowance is estimated based on the present value of expected cash flows of the receivable discounted at the loan's original effective interest rate. Commercial receivables subject to forbearance, moratoriums, extension agreements, or other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral are classified as TDRs. We do not grant concessions on the principal balance of dealer loans. Variable Interest Entities – Securitizations and Credit Facilities We finance our loan and lease origination volume through the use of our credit facilities and execution of securitization transactions, which both utilize special purpose entities ("SPEs"). In a credit facility, we transfer finance receivables or lease-related assets to special purpose finance subsidiaries. These subsidiaries, in turn, issue notes to the agents, collateralized by such assets and cash. The agents provide funding under the notes to the subsidiaries pursuant to an advance formula, and the subsidiaries forward the funds to us in consideration for the transfer of the assets. In our securitizations, we transfer finance receivables or lease-related assets to SPEs structured as securitization trusts ("Trusts"), which issue one or more classes of asset-backed securities. The asset-backed securities are in turn sold to investors. Our continuing involvement with the credit facilities and Trusts consist of servicing assets held by the SPEs and holding residual interests in the SPEs. These transactions are structured without recourse. The SPEs are considered VIEs under U.S. GAAP and are consolidated because we have: (i) power over the significant activities of the entity and (ii) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. Our servicing fees are not considered significant variable interests in the VIEs; however, because we also retain residual interests in the SPEs, either in the form of debt securities or equity interests, we have an obligation to absorb losses or the right to receive benefits that are potentially significant to the SPEs. Accordingly, we are the primary beneficiary of the VIEs and are required to consolidate them within our consolidated financial statements. Therefore, the finance receivables, leasing related assets, borrowings under our credit facilities and, following a securitization, the related securitization notes payable remain on the consolidated balance sheets. See Note 3 - "Finance Receivables," Note 8 - "Debt" and Note 9 - "Variable Interest Entities" for further information. We are not required, and do not currently intend, to provide any additional financial support to SPEs. While these subsidiaries are included in our consolidated financial statements, these subsidiaries are separate legal entities and the finance receivables and other assets held by these subsidiaries are legally owned by them and are not available to our creditors or creditors of our other subsidiaries. Except for purchase accounting adjustments, we recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in a securitization transaction, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. Cash pledged to support securitization transactions is deposited to a restricted account and recorded on our consolidated balance sheets as restricted cash, which is invested in highly liquid securities with original maturities of 90 days or less. Property and Equipment As a result of the merger with GM and acquisition of the international operations, our property and equipment was adjusted to an estimated fair market value. Subsequent to the merger with GM, property and equipment additions are carried at amortized cost. Depreciation is generally provided on a straight-line basis over the estimated useful lives of the assets, which ranges from 1 to 30 years. The basis of assets sold or retired and the related accumulated depreciation are removed from the accounts at the time of disposition and any resulting gain or loss is included in operations. Maintenance, repairs and minor replacements are charged to operations as incurred; major replacements and betterments are capitalized. Leased Vehicles Leased vehicles consist of automobiles leased to customers and are carried at amortized cost less manufacturer incentives. Depreciation expense is recorded on a straight-line basis over the term of the lease agreement. Leased vehicles are depreciated to the estimated residual value at the end of the lease term. Under the accounting for impairment or disposal of long-lived assets, residual values of operating leases are evaluated individually for impairment when indicators of impairment exist. When indicators of impairment exist and aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased asset at the end of the lease, are less than the book value of the lease, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Otherwise, reductions in the expected residual value result in additional depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds. Goodwill The excess of the purchase price of the merger with GM over the fair value of the net assets acquired was recorded as goodwill, and was attributed to the North America reporting unit, which was our only reporting unit at that time. With the acquisition of the international operations, we added two additional reporting units: Latin America and Europe. The excess of the purchase price of the acquisition of the international operations over the fair value of the net assets acquired was all attributed to the Latin America reporting unit. We performed our annual goodwill impairment testing as of October 1, 2015 for each reporting unit. No impairment charges were recognized to either the North America or the Latin America reporting unit in the years ended December 31, 2015, 2014 or 2013. If an indication of impairment exists and the fair value of any reporting unit is less than the carrying amount reflected in the balance sheet, then the amount of goodwill attributed to a reporting unit may be impaired, and we perform a second step of the impairment test. In the second step, we compare the goodwill amount reflected in the balance sheet to the implied fair value of the reporting unit's goodwill, determined by allocating the reporting unit's fair value to all of its assets and liabilities in a manner similar to a purchase price allocation. We determined the fair value of each reporting unit with consideration to valuations under the market approach and the income approach. The income approach evaluates the cash flow of the reporting unit over a specified time, discounted at an appropriate market rate to arrive at an indication of the most probable selling price. Factors contributing to the determination of the reporting unit's operating performance were historical performance and management's estimates of future performance. The following table reflects certain key estimates and assumptions used in our 2015 impairment testing of the North America reporting unit, which represents 93% of our goodwill balance: Market approach assumptions Trailing-twelve months' earnings multiple 11.1x Forward earnings multiple 12.7x Weighting applied 25% Income approach assumptions Cost of equity 11.2% Targeted equity-to-earning assets ratio 8.6% declining to 7.5% Weighting applied 75% The results of the first step of the impairment test indicated that the fair value exceeded the carrying value; therefore, it was not necessary to perform the second step analysis. If actual market conditions are less favorable than those we and the industry have projected, or if events occur or circumstances change that would reduce the fair value of our goodwill below the amount reflected in the balance sheet, we may be required to conduct an interim test and possibly recognize impairment charges, which could be material, in future periods. Derivative Financial Instruments We recognize all of our derivative financial instruments as either assets or liabilities on our consolidated balance sheets at fair value. The accounting for changes in the fair value of each derivative financial instrument depends on whether it has been designated and qualifies as an accounting hedge, as well as the type of hedging relationship identified. Our special purpose finance subsidiaries are often contractually required to purchase derivative instruments, which could include interest rate swap agreements and/or interest rate cap agreements which are explained below, as credit enhancement in connection with securitization transactions and credit facilities. We do not use derivative instruments for trading or speculative purposes. Interest Rate Swap Agreements. We utilize interest rate swap agreements to convert floating rate exposures on securities issued in securitization transactions to fixed rates, thereby hedging the variability in interest expense paid. Cash flows from derivatives used to manage interest rate risk are classified as operating activities. At December 31, 2015 , none of our pay-fixed, receive-floating interest rate swap agreements were designated as accounting hedges. We designate certain receive-fixed, pay-floating interest rate swaps as fair value hedges of fixed-rate debt. The risk being hedged is the risk of changes in the fair value of the hedged debt attributable to changes in the benchmark interest rate. If the hedge relationship is deemed to be highly effective, we record the changes in the fair value of the hedged debt related to the risk being hedged in interest expense. The change in fair value of the related derivative (excluding accrued interest) is also recorded in interest expense. Interest Rate Cap Agreements. We often purchase interest rate cap agreements to limit floating rate exposures in our credit facilities. As part of our interest rate risk management strategy and when economically feasible, we may simultaneously sell a corresponding interest rate cap agreement in order to offset the premium paid to purchase the interest rate cap agreement and thus retain the interest rate risk. Because the interest rate cap agreements entered into by us or our special purpose finance subsidiaries do not qualify for hedge accounting, changes in the fair value of interest rate cap agreements purchased by the special purpose finance subsidiaries and interest rate cap agreements sold by us are recorded in interest expense. Interest rate risk management contracts are generally expressed in notional principal or contract amounts that are much larger than the amounts potentially at risk for nonpayment by counterparties. Therefore, in the event of nonperformance by the counterparties, our credit exposure is limited to the uncollected interest and the market value related to the contracts that have become favorable to us. We manage the credit risk of such contracts by using highly rated counterparties, establishing risk limits and monitoring the credit ratings of the counterparties. We maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association Master Agreement. We enter into arrangements with individual counterparties that we believe are creditworthy and generally settle on a net basis. In addition, we perform a quarterly assessment of our counterparty credit risk, including a review of credit ratings, credit default swap rates and potential nonperformance of the counterparty. Foreign Currency Swaps. Our policy is to minimize exposure to changes in currency exchange rates. To meet funding objectives, we borrow in a variety of currencies. We face exposure to currency exchange rates when the currency of our earning assets differs from the currency of the debt funding those assets. When possible, we fund earning assets with debt in the same currency, minimizing exposure to exchange rate movements. When a different currency is used, we may use foreign currency swaps to convert our debt obligations to the local currency of the earning assets. Fair Value ASC 820, Fair Value Measurements , provides a framework for measuring fair value under U.S. GAAP. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurement requires that valuation techniques maximize the use of observable inputs and minimize the use of unobservable inputs and also establishes a fair value hierarchy which prioritizes the valuation inputs into three broad levels. There are three general valuation techniques that may be used to measure fair value, as described below: (i) Market approach – Uses prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. Prices may be indicated by pricing guides, sale transactions, market trades, or other sources; (ii) Cost approach – Based on the amount that currently would be required to replace the service capacity of an asset (replacement cost); and (iii) Income approach – Uses valuation techniques to convert future amounts to a single present amount based on current market expectations about the future amounts (includes present value techniques and option-pricing models). Net present value is an income approach that considers a stream of expected cash flows, discounted at an appropriate market interest rate. Financial instruments are considered Level 1 when quoted prices are available in active markets for identical assets or liabilities as of the reporting date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Financial instruments are considered Level 2 when inputs other than quoted prices are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Financial instruments are considered Level 3 when their values are determined using price models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. Income Taxes On our stand-alone financial statements, we account for income taxes on a separate return basis using an asset and liability method which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, net operating loss and tax credit carryforwards. A valuation allowance is recognized if it is more likely than not that some portion or the entire deferred tax asset will not be realized. We record uncertain tax positions on the basis of a two-step process whereby: (1) we determine whether it is more likely than not that the tax positions will be sustained based on the technical merits of the position; and (2) for those tax positions that meet the more likely than not recognition, we recognize the largest amount of tax benefit that is greater than 50% likely to be realized upon ultimate settlement with the related tax authority. We record interest and penalties on uncertain tax positions in income tax expense (benefit). Revenue Recognition Finance charge income related to retail finance receivables is recognized using the effective interest method. Fees and commissions received and direct costs of originating loans are generally deferred and amortized over the term of the related finance receivables using the effective interest method and are removed from the consolidated balance sheets when the related finance receivables are sold, charged off or paid in full. Accrual of finance charge income is suspended on accounts that are more than 60 days delinquent, accounts in bankruptcy and accounts in repossession. Payments received on non-accrual loans are first applied to any fees due, then to any interest due and, finally, any remaining amounts received are recorded to principal. Interest accrual resumes once an account has received payments bringing the delinquency status to less than 60 days past due. Finance charge income related to commercial finance receivables is recognized using the accrual method. Accrual of finance charge income is generally suspended on accounts that are more than 90 days delinquent, upon receipt of a bankruptcy notice from a borrower, or where reasonable doubt about the full collectability of contractually agreed upon principal and interest exist. Payments received on non-accrual loans are first applied to principal. Interest accrual resumes once an account has received payments bringing the delinquency status fully current and collection of contractual principal and interest is reasonably expected (including amounts previously charged-off) or, for TDRs, when repayment is reasonably assured based on the modified terms of the loan. Operating lease rental income for leased vehicles is recognized on a straight-line basis over the lease term. Net deferred origination fees or costs are amortized on a straight-line basis over the term of the lease agreement. Parent Company Stock-Based Compensation We measure and record compensation expense for parent company stock-based compensation awards based on the award's estimated fair value. We record compensation expense over the applicable vesting period of an award. Salary stock awards granted are fully vested and nonforfeitable upon grant; therefore, compensation cost is recorded on the date of grant. See Note 12 - "Parent Company Stock-Based Compensation" for further information. Segment Information We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: North America ("the North America Segment") and international ("the International Segment"). The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in all other countries. For additional financial information regarding our business segments, see Note 17 - "Segment Reporting and Geographic Information." Related Party Transactions We offer loan and lease finance products through GM-franchised dealers to customers pu

Acquisition of Ally Financial I

Acquisition of Ally Financial International Operations	12 Months Ended
	Dec. 31, 2015
Business Combinations [Abstract]
Acquisition of Ally Financial International Operations	Acquisition of Ally Financial International Operations In November 2012, we entered into a definitive agreement with Ally Financial to acquire the outstanding equity interests in the top-level holding companies of its automotive finance and financial services operations in Europe and Latin America and a separate agreement to acquire Ally Financial's non-controlling equity interest in SAIC-GMAC, which conducts auto finance operations in China. During 2013, we completed the acquisition of Ally Financial's European and Latin American auto finance and financial services operations. The aggregate consideration for these acquisitions was $3.3 billion . In addition, we repaid debt of $1.4 billion that was assumed as part of the acquisitions. We recorded the fair value of the assets acquired and liabilities assumed on the acquisition date. On January 2, 2015, we completed the acquisition of Ally Financial's 40% equity interest in SAIC-GMAC. The aggregate purchase price was $1.0 billion . Also on January 2, 2015, we sold a 5% equity interest in SAIC-GMAC to SAIC FC, a current shareholder of SAIC-GMAC, for proceeds of $125 million . As a result of these transactions, we own a 35% equity interest in SAIC-GMAC. We account for our ownership interest in SAIC-GMAC using the equity method of accounting. The difference between the carrying amount of our investment and our share of the underlying net assets of SAIC-GMAC at the time of acquisition was $371 million , which was primarily related to goodwill. We determined the acquisition date fair values of the identifiable assets acquired and liabilities assumed in accordance with ASC 805, "Business Combinations" ("ASC 805"). Income resulting from the equity investment in SAIC-GMAC is included in our results beginning January 2, 2015. Equity income from SAIC-GMAC recorded during 2015 was $116 million . If the acquisition had occurred on January 1, 2014, our unaudited pro forma net income for 2014 would have increased by $107 million to $644 million .

Finance Receivables

Finance Receivables	12 Months Ended
	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables	Finance Receivables Our pre-acquisition and post-acquisition retail finance portfolios are now reported on a combined basis, due to the diminished size of the pre-acquisition portfolio, which was $145 million at December 31, 2015 and $459 million at December 31, 2014. The finance receivables portfolio consists of the following (in millions): December 31, 2015 December 31, 2014 North America International Total North America International Total Retail Retail finance receivables, collectively evaluated for impairment, net of fees (a) $ 16,536 $ 10,976 $ 27,512 $ 12,127 $ 12,262 $ 24,389 Retail finance receivables, individually evaluated for impairment, net of fees 1,612 — 1,612 1,234 — 1,234 Total retail finance receivables (b) 18,148 10,976 29,124 13,361 12,262 25,623 Less: allowance for loan losses - collective (398 ) (117 ) (515 ) (405 ) (78 ) (483 ) Less: allowance for loan losses - specific (220 ) (220 ) (172 ) — (172 ) Total retail finance receivables, net 17,530 10,859 28,389 12,784 12,184 24,968 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 4,043 4,314 8,357 3,180 4,803 7,983 Commercial finance receivables, individually evaluated for impairment, net of fees 8 74 82 — 89 89 Total commercial finance receivables 4,051 4,388 8,439 3,180 4,892 8,072 Less: allowance for loan losses - collective (23 ) (15 ) (38 ) (21 ) (14 ) (35 ) Less: allowance for loan losses - specific — (9 ) (9 ) — (5 ) (5 ) Total commercial finance receivables, net 4,028 4,364 8,392 3,159 4,873 8,032 Total finance receivables, net $ 21,558 $ 15,223 $ 36,781 $ 15,943 $ 17,057 $ 33,000 ________________ (a) Amounts reported in the International Segment include $1.1 billion and $1.0 billion of direct-financing leases at December 31, 2015 and 2014 . (b) Net of unamortized premiums and discounts, and deferred fees and costs of $179 million and $245 million at December 31, 2015 and 2014 . Retail Finance Receivables Following is a summary of activity in our retail finance receivables portfolio (in millions): Years ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 $ 10,789 $ — $ 10,789 Acquisition — — — — — — — 10,310 10,310 Purchases 10,931 6,606 17,537 6,808 8,277 15,085 5,126 4,471 9,597 Principal collections and other (5,272 ) (5,696 ) (10,968 ) (4,054 ) (6,180 ) (10,234 ) (3,943 ) (3,086 ) (7,029 ) Charge-offs (859 ) (137 ) (996 ) (776 ) (138 ) (914 ) (584 ) (54 ) (638 ) Foreign currency translation (13 ) (2,059 ) (2,072 ) (5 ) (1,439 ) (1,444 ) — 101 101 Ending balance $ 18,148 $ 10,976 $ 29,124 $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 A summary of the activity in the allowance for retail loan losses is as follows (in millions): Years ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 $ 345 $ — $ 345 Provision for loan losses 461 151 612 468 145 613 380 52 432 Charge-offs (859 ) (137 ) (996 ) (776 ) (138 ) (914 ) (584 ) (54 ) (638 ) Recoveries 439 47 486 417 53 470 327 29 356 Foreign currency translation — (22 ) (22 ) — (11 ) (11 ) — 2 2 Ending balance $ 618 $ 117 $ 735 $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 Retail Credit Quality We use proprietary scoring systems in the underwriting process that measure the credit quality of the receivables using several factors, such as credit bureau information, consumer credit risk scores (e.g. FICO score), and contract characteristics. We also consider other factors, such as employment history, financial stability and capacity to pay. At the time of loan origination, substantially all of our international customers have the equivalent of prime credit scores. In the North America Segment, while we historically focused on consumers with lower than prime credit scores, we are expanding our prime lending programs. A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables in the North America Segment is as follows (dollars in millions): December 31, 2015 December 31, 2014 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 4,418 24.4 % $ 596 4.4 % Near-prime - FICO Score 620 to 679 2,890 15.9 % 1,691 12.7 % Sub-prime - FICO Score less than 620 10,840 59.7 % 11,074 82.9 % Balance at end of period $ 18,148 100.0 % $ 13,361 100.0 % In addition, we review the credit quality of all of our retail finance receivables based on customer payment activity. A retail account is considered delinquent if a substantial portion of a scheduled payment has not been received by the date such payment was contractually due. Retail finance receivables are collateralized by vehicle titles and, subject to local laws, we generally have the right to repossess the vehicle in the event the customer defaults on the payment terms of the contract. The following is a summary of the contractual amounts of retail finance receivables, which is not significantly different than recorded investment, that are (i) more than 30 days delinquent, but not yet in repossession, and (ii) in repossession, but not yet charged off (dollars in millions): December 31, 2015 December 31, 2014 North America International Total Percent of Contractual Amount Due North America International Total Percent of Contractual Amount Due 31 - 60 days $ 1,150 $ 87 $ 1,237 4.2 % $ 994 $ 89 $ 1,083 4.2 % Greater than 60 days 389 92 481 1.6 328 104 432 1.7 1,539 179 1,718 5.8 1,322 193 1,515 5.9 In repossession 42 4 46 0.2 36 4 40 0.2 $ 1,581 $ 183 $ 1,764 6.0 % $ 1,358 $ 197 $ 1,555 6.1 % The accrual of finance charge income had been suspended on $778 million and $682 million of retail finance receivables (based on contractual amount due) at December 31, 2015 and December 31, 2014 . Impaired Retail Finance Receivables - TDRs Retail finance receivables that become classified as troubled debt restructurings ("TDRs") are separately assessed for impairment. A specific allowance is estimated based on the present value of the expected future cash flows of the receivable discounted at the loan's original effective interest rate. Accounts that become classified as TDRs because of a payment deferral still accrue interest at the contractual rate and an additional fee is collected (where permitted) at each time of deferral and recorded as a reduction of accrued interest. No interest or fees are forgiven on a payment deferral to a customer; therefore, there are no additional financial effects of deferred loans becoming classified as TDRs. Accounts in the U.S. in Chapter 13 bankruptcy would have already been placed on non-accrual; therefore, there are no additional financial effects from these loans becoming classified as TDRs. Finance charge income from loans classified as TDRs is accounted for in the same manner as other accruing loans. Cash collections on these loans are allocated according to the same payment hierarchy methodology applied to loans that are not classified as TDRs. At December 31, 2015 and 2014 , the outstanding balance of retail finance receivables in the International Segment determined to be TDRs was insignificant; therefore, the following information is presented with regard to the TDRs in the North America Segment only. The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below (in millions): December 31, 2015 December 31, 2014 Outstanding recorded investment $ 1,612 $ 1,234 Less: allowance for loan losses (220 ) (172 ) Outstanding recorded investment, net of allowance $ 1,392 $ 1,062 Unpaid principal balance $ 1,642 $ 1,255 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Years Ended December 31, 2015 2014 2013 Average outstanding recorded investment $ 1,455 $ 996 $ 487 Finance income recognized $ 164 $ 123 $ 70 Number of loans classified as TDRs during the period 58,012 49,490 38,196 Recorded investment of loans classified as TDRs during the period $ 982 $ 794 $ 643 A redefault is when an account meets the requirements for evaluation under our charge-off policy (See Note 1 - "Summary of Significant Accounting Policies" for additional information). The unpaid principal balance, net of recoveries, of loans that redefaulted during the reporting period and were within 12 months of being modified as a TDR were $20 million , $25 million and $22 million for the years ended December 31, 2015, 2014 and 2013 . Commercial Finance Receivables Following is a summary of activity in our commercial finance receivables portfolio (in millions): Years ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 $ 560 $ — $ 560 Acquisition — — — — — — — 4,834 4,834 Net funding (collections) 933 51 984 1,228 661 1,889 1,424 (246 ) 1,178 Charge-offs (2 ) (1 ) (3 ) — — — (2 ) (3 ) (5 ) Foreign currency translation (60 ) (554 ) (614 ) (23 ) (494 ) (517 ) (7 ) 140 133 Ending balance $ 4,051 $ 4,388 $ 8,439 $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 Commercial Credit Quality We extend wholesale credit to dealers primarily in the form of approved lines of credit to purchase new vehicles as well as used vehicles. Each commercial lending request is evaluated, taking into consideration the borrower's financial condition and the underlying collateral for the loan. We use proprietary models to assign each dealer a risk rating. These models use historical performance data to identify key factors about a dealer that we consider significant in predicting a dealer's ability to meet its financial obligations. We also consider numerous other financial and qualitative factors including, but not limited to, capitalization and leverage, liquidity and cash flow, profitability and credit history. We regularly review our models to confirm the continued business significance and statistical predictability of the factors and update the models to incorporate new factors or other information that improves statistical predictability. In addition, we verify the existence of the assets collateralizing the receivables by physical audits of vehicle inventories, which are performed with increased frequency for higher risk (i.e., Groups III, IV, V and VI) dealers. We perform a credit review of each dealer at least annually and adjust the dealer's risk rating, if necessary. The credit lines for Group VI dealers are typically suspended and no further funding is extended to these dealers. Performance of our commercial finance receivables is evaluated based on our internal dealer risk rating analysis, as payment for wholesale receivables is generally not required until the dealer has sold or leased the vehicle inventory. All receivables from the same dealer customer share the same risk rating. A summary of the credit risk profile by dealer grouping of the commercial finance receivables is as follows (in millions): December 31, 2015 December 31, 2014 Group I - Dealers with superior financial metrics $ 1,299 $ 1,062 Group II - Dealers with strong financial metrics 2,648 2,090 Group III - Dealers with fair financial metrics 2,703 2,856 Group IV - Dealers with weak financial metrics 1,100 1,250 Group V - Dealers warranting special mention due to potential weaknesses 505 559 Group VI - Dealers with loans classified as substandard, doubtful or impaired 184 255 Balance at end of period $ 8,439 $ 8,072 At December 31, 2015 and 2014 , substantially all of our commercial finance receivables were current with respect to payment status and none were classified as TDRs. Activity in the allowance for commercial loan losses was insignificant for the years ended December 31, 2015, 2014 and 2013.

Leased Vehicles

Leased Vehicles	12 Months Ended
	Dec. 31, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased Vehicles	Leased Vehicles Our operating lease program is offered primarily in the North America Segment. The following information regarding our leased vehicles is presented on a consolidated basis (in millions): December 31, 2015 December 31, 2014 Leased vehicles $ 27,587 $ 9,747 Manufacturer incentives (4,582 ) (1,479 ) 23,005 8,268 Less: accumulated depreciation (2,833 ) (1,208 ) Leased vehicles, net $ 20,172 $ 7,060 A summary of the changes in our leased vehicles is as follows (in millions): Years Ended December 31, 2015 2014 2013 Balance at beginning of period $ 8,268 $ 4,025 $ 1,976 International operations acquisition — — 5 Leased vehicles purchased 20,199 6,169 2,830 Leased vehicles returned - end of term (1,785 ) (878 ) (343 ) Leased vehicles returned - default (120 ) (58 ) (28 ) Manufacturer incentives (3,169 ) (844 ) (360 ) Foreign currency translation (388 ) (146 ) (55 ) Balance at end of period $ 23,005 $ 8,268 $ 4,025 The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ended December 31, 2016 2017 2018 2019 2020 Total Minimum rental payments under operating leases $ 3,359 $ 2,830 $ 1,494 $ 169 $ 4 $ 7,856

Restricted Cash

Restricted Cash	12 Months Ended
	Dec. 31, 2015
Cash and Cash Equivalents [Abstract]
Restricted Cash	Restricted Cash The following table summarizes the components of restricted cash (in millions): December 31, 2015 December 31, 2014 Revolving credit facilities $ 345 $ 326 Securitization notes payable 1,531 1,395 Other 65 350 Total restricted cash $ 1,941 $ 2,071 Restricted cash for securitization notes payable and revolving credit facilities is comprised of funds deposited in restricted cash accounts as collateral required to support securitization transactions or to provide additional collateral for borrowings under revolving credit facilities. Additionally, these funds include monthly collections from borrowers that have not yet been used for repayment of debt. At December 31, 2014 , other restricted cash was primarily comprised of interest-bearing cash in Brazil held in escrow pending resolution of tax and civil litigation. At December 31, 2015 , these amounts are classified as deposits and are included in other assets on the condensed consolidated balance sheet.

Goodwill

Goodwill	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Goodwill We performed goodwill impairment testing as of October 1, 2015, in accordance with the policy described in Note 1 - "Summary of Significant Accounting Policies - Goodwill." The impairment testing indicated no impairment in any reporting unit. The following table summarizes the changes in the carrying amounts of goodwill by segment (in millions): Years Ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 1,106 $ 138 $ 1,244 $ 1,108 $ 132 $ 1,240 $ 1,108 $ — $ 1,108 Acquisition — — — — 6 6 — 132 132 Foreign currency translation (1 ) (54 ) (55 ) (2 ) — (2 ) — — — Ending balance $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244 $ 1,108 $ 132 $ 1,240

Equity in Net Assets of Non-con

Equity in Net Assets of Non-consolidated Affiliates	12 Months Ended
	Dec. 31, 2015
Equity Method Investments and Joint Ventures [Abstract]
Equity in Net Assets of Non-consolidated Affiliates	Equity in Net Assets of Non-consolidated Affiliates Non-consolidated affiliates are entities in which an equity ownership interest is maintained and for which the equity method of accounting is used due to the ability to exert significant influence over decisions relating to their operating and financial affairs. In January 2015, we completed the acquisition of Ally Financial's equity interest in SAIC-GMAC. See Note 2 - "Acquisition of Ally Financial International Operations" for additional information. The income of SAIC-GMAC is not consolidated into our financial statements; rather, our proportionate share of the earnings is reflected as equity income. At December 31, 2015 , we had undistributed earnings of $121 million related to SAIC-GMAC. The following tables present summarized financial data of SAIC-GMAC (a) (in millions): Summarized Balance Sheet Data December 31, 2015 Finance receivables, net $ 9,617 Total assets $ 9,802 Debt $ 5,789 Total liabilities $ 7,973 Summarized Operating Data Year Ended December 31, 2015 Finance charge income $ 971 Provision for loan losses $ 45 Interest expense $ 338 Income before income taxes $ 463 Net income $ 347 _________________ (a) This data represents that of the entire entity and not our 35% proportionate share.

Debt

Debt	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Debt	Debt Debt consists of the following (in millions): December 31, 2015 December 31, 2014 North America International Total North America International Total Secured debt Revolving credit facilities $ 3,246 $ 4,302 $ 7,548 $ 1,701 $ 5,327 $ 7,028 Securitization notes payable 19,905 3,236 23,141 13,721 4,424 18,145 Total secured debt $ 23,151 $ 7,538 $ 30,689 $ 15,422 $ 9,751 $ 25,173 Unsecured debt Senior notes $ 17,731 $ 1,242 $ 18,973 $ 7,777 $ 598 $ 8,375 Credit facilities — 2,759 2,759 — 2,974 2,974 Retail customer deposits — 1,260 1,260 — — — Other unsecured debt — 665 665 — 793 793 Total unsecured debt $ 17,731 $ 5,926 $ 23,657 $ 7,777 $ 4,365 $ 12,142 Secured Debt Most of the secured debt was issued by variable interest entities, as further discussed in Note 9 - "Variable Interest Entities." This debt is repayable only from proceeds related to the underlying pledged finance receivables and leasing related assets. Interest rates on the secured debt in the North America Segment are primarily fixed, with a weighted average of 1.63% at December 31, 2015 . Interest rates on the secured debt in the International Segment are primarily floating, with a weighted average of 3.10% at December 31, 2015 . Issuance costs on the secured debt of $76 million as of December 31, 2015 and $60 million as of December 31, 2014 are amortized to interest expense over the expected term of the secured debt. The terms of our revolving credit facilities provide for a revolving period and subsequent amortization period, and are expected to be repaid over periods ranging up to six years . During 2015, we entered into new credit facilities or renewed credit facilities with a total additional net borrowing capacity of $5.2 billion . Securitization notes payable at December 31, 2015 are due beginning in 2016 through 2023. In the year ended December 31, 2015 we issued securitization notes payable of $14.3 billion with a weighted-average interest rate of 1.5% . Unsecured Debt Senior Notes At December 31, 2015 , we had $19.1 billion par value outstanding in senior notes that mature from 2016 through 2025 and have a weighted average interest rate of 3.37% . Issuance costs on senior notes of $107 million as of December 31, 2015 and $75 million as of December 31, 2014 are amortized to interest expense over the term of the notes. Our top-tier holding company has $17.2 billion par value outstanding in senior notes which may be redeemed, at our option, in whole or in part, at any time before maturity at the redemption prices set forth in the indentures that govern the senior notes, plus accrued and unpaid interest, to the redemption date. All of our senior notes are guaranteed solely by AmeriCredit Financial Services, Inc. ("AFSI"); none of our other subsidiaries are guarantors of our senior notes. See Note 21 - "Guarantor Consolidating Financial Statements" for further discussion. During 2015, our top-tier holding company issued $9.7 billion in senior notes comprised of $8.9 billion of fixed rate notes with a weighted average coupon of 3.38% and $800 million in floating rate notes. These notes mature beginning in April 2018 through July 2025. All of these notes are guaranteed by AFSI. In February 2015, a European subsidiary issued € 650 million of 0.85% notes under our Euro medium term notes program. These notes are due in February 2018 . All of these notes are guaranteed by our top-tier holding company and by AFSI. In May 2015, our primary Canadian operating subsidiary issued CAD $500 million of 3.08% notes due in May 2020 . The notes are guaranteed by our top-tier holding company and by AFSI. Credit Facilities and Other Unsecured Debt The International Segment utilizes unsecured credit facilities with banks as well as non-bank instruments as funding sources. During 2015, we increased net borrowing capacity on unsecured committed credit facilities by $334 million . The terms of advances under our unsecured credit facilities are determined and agreed to by us and the lender on the borrowing date for each advance and can have maturities up to five years . The weighted average interest rate on credit facilities and other unsecured debt was 8.72% at December 31, 2015 . Retail Customer Deposits During 2015, we began accepting deposits from retail banking customers in Germany. Following is summarized information for our deposits at December 31, 2015 (dollars in millions): Outstanding Balance Weighted Average Interest Rate Overnight deposits $ 555 1.00 % Term deposits -12 months 337 1.32 % Term deposits - 24 months 123 1.44 % Term deposits - 36 months 245 1.65 % Total deposits $ 1,260 1.25 % Contractual Debt Obligations The following table presents the expected scheduled principal and interest payments under our contractual debt obligations (in millions): Years Ending December 31, 2016 2017 2018 2019 2020 Thereafter Total Secured debt $ 14,450 $ 9,168 $ 5,688 $ 1,120 $ 317 $ — $ 30,743 Unsecured debt 4,343 3,654 3,459 3,165 4,110 5,050 23,781 Interest 1,275 1,008 588 397 267 483 4,018 $ 20,068 $ 13,830 $ 9,735 $ 4,682 $ 4,694 $ 5,533 $ 58,542 Compliance with Debt Covenants Several of our loan facilities, including our revolving credit facilities, require compliance with certain financial and operational covenants as well as regular reporting to lenders, including providing certain subsidiary financial statements. Some of our secured and unsecured debt agreements also contain various covenants, including maintaining portfolio performance ratios as well as limits on deferment levels. Failure to meet certain of these requirements may result in a covenant violation or an event of default depending on the terms of the agreement. An event of default may allow lenders to declare amounts outstanding under these agreements immediately due and payable, to enforce their interest against collateral pledge under these agreements or restrict our ability to obtain additional borrowings. At December 31, 2015, we were in compliance with these debt covenants.

Variable Interest Entities

Variable Interest Entities	12 Months Ended
	Dec. 31, 2015
Noncontrolling Interest [Abstract]
Variable Interest Entities	Variable Interest Entities Securitizations and credit facilities The following table summarizes the assets and liabilities related to our consolidated VIEs (in millions): December 31, 2015 2014 Restricted cash $ 1,876 $ 1,721 Finance receivables, net $ 24,942 $ 23,109 Lease related assets $ 11,684 $ 4,595 Secured debt $ 29,386 $ 22,794 These amounts are related to securitization and credit facilities held by consolidated VIEs. Liabilities recognized as a result of consolidating these entities generally do not represent claims against us or our other subsidiaries and assets recognized generally are for the benefit of these entities operations and cannot be used to satisfy our or our subsidiaries obligations. Other VIEs We consolidate certain operating entities that provide auto finance and financial services, which we do not control through a majority voting interest. We manage these entities and maintain a controlling financial interest in them and are exposed to the risks of ownership through contractual arrangements. The majority voting interests in these entities are indirectly wholly-owned by our parent, GM. The following table summarizes the assets and liabilities of these entities (in millions): December 31, 2015 December 31, 2014 Assets (a) $ 3,652 $ 3,696 Liabilities (b) $ 2,941 $ 3,184 _________________ (a) Comprised primarily of finance receivables of $3.2 billion and $3.6 billion at December 31, 2015 and 2014 . (b) Comprised primarily of debt of $2.6 billion and $2.5 billion at December 31, 2015 and 2014 . The following table summarizes the revenue and net income of these entities (in millions): Year Ended December 31, 2015 2014 Total revenue $ 191 $ 192 Net income $ 29 $ 28 Transfers of finance receivables to non-VIEs Under certain debt agreements, we transfer finance receivables to entities which are not considered VIEs. These transfers do not meet the criteria to be considered sales; therefore, the finance receivables and the related debt are included in our consolidated financial statements, similar to the treatment of finance receivables and related debt of our consolidated VIEs. Any collections received on the transferred receivables are available only for the repayment of the related debt. At December 31, 2015 and 2014 , $1.5 billion and $2.5 billion in finance receivables had been transferred in secured funding arrangements to third-party banks, to which $1.4 billion and $2.4 billion in secured debt was outstanding.

Derivative Financial Instrument

Derivative Financial Instruments and Hedging Activities	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments and Hedging Activities	Derivative Financial Instruments and Hedging Activities Derivative financial instruments consist of the following (in millions): December 31, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Fair value hedges Liabilities Interest rate swaps (a)(d) $ 1,000 $ 6 $ — $ — Derivatives not designated as hedges Assets Interest rate swaps (b) 4,122 8 1,652 6 Interest rate caps (a) 6,327 19 2,123 6 Foreign currency swaps (a) 1,460 48 1,594 4 Total assets (c) $ 11,909 $ 75 $ 5,369 $ 16 Liabilities Interest rate swaps (b) $ 8,041 $ 24 $ 5,627 $ 39 Interest rate caps (a) 5,892 19 1,804 6 Foreign currency swaps (a) — — 1,044 1 Total liabilities (d) $ 13,933 $ 43 $ 8,475 $ 46 _________________ (a) The fair value is based on observable market inputs, and are classified as level 2. (b) The fair value is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates, and classified as level 3. (c) Included in other assets on the consolidated balance sheets. (d) Included in other liabilities on the consolidated balance sheets. The following table presents information on the effect of derivative instruments on the consolidated statements of income and comprehensive income (in millions): Income (Losses) Recognized In Income Years Ended December 31, 2015 2014 2013 Fair value hedges Interest rate contracts Net interest accruals $ 1 $ — $ — Ineffectiveness (a) — — — Derivatives not designated as hedges Interest rate contracts (b) (15 ) (51 ) (1 ) Foreign currency derivatives (c) 42 163 (118 ) $ 27 $ 112 $ (119 ) (a) Hedge ineffectiveness reflects the net change in the fair value of interest rate contracts of $6.0 million offset by the change in fair value of hedged debt attributable to the hedged risk of $5.6 million . (b) Recognized in earnings as interest expense. (c) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans. The activity for interest rate swap agreements measured at fair value on a recurring basis using significant unobservable inputs (Level 3) was insignificant for the years ended December 31, 2015, 2014 and 2013.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Leases We lease space for our operating facilities and administrative offices under leases with terms up to 10 years with renewal options. Certain leases contain lease escalation clauses for real estate taxes and other operating expenses and renewal option clauses calling for increased rents. A summary of lease expense is as follows (in millions): Years Ended December 31, 2015 2014 2013 Lease expense $ 28 $ 28 $ 21 Operating lease commitments are as follows (in millions): Years Ending December 31, 2016 2017 2018 2019 2020 Thereafter Total Operating lease commitments $ 19 $ 19 $ 16 $ 14 $ 11 $ 38 $ 117 Concentrations of Credit Risk Financial instruments which potentially subject us to concentrations of credit risk are primarily cash equivalents, restricted cash, derivative financial instruments and retail finance receivables. Our cash equivalents and restricted cash represent investments in highly rated securities placed through various major financial institutions. The counterparties to our derivative financial instruments are various major financial institutions. Retail finance receivables in the North America Segment represent contracts with customers residing throughout the U.S. and Canada, with borrowers located in Texas accounting for 16.2% of the portfolio as of December 31, 2015 . No other state accounted for more than 10% of retail finance receivables. Retail finance receivables in the International Segment represent contracts with customers residing throughout Europe and Latin America. Borrowers located in the U.K., Brazil, Germany and Mexico accounted for 28.6% , 21.4% , 20.6% , and 12.5% of the international retail finance receivables as of December 31, 2015 . No other country accounted for more than 10% of retail finance receivables. At December 31, 2015 , substantially all of our commercial finance receivables represent loans to GM-franchised dealerships and their affiliates. Guarantees of Indebtedness The payments of principal and interest on senior notes issued by our top-tier holding company, our primary Canadian operating subsidiary and a European subsidiary are guaranteed by our primary U.S. operating subsidiary, AFSI. At December 31, 2015 and 2014 , the par value of our senior notes was $19.1 billion and $8.4 billion . See Note 21 - "Guarantor Consolidating Financial Statements" for further discussion. Legal Proceedings As a retail finance company, we are subject to various customer claims and litigation seeking damages and statutory penalties, based upon, among other things, usury, disclosure inaccuracies, wrongful repossession, violations of bankruptcy stay provisions, certificate of title disputes, fraud, breach of contract and discriminatory treatment of credit applicants. Some litigation against us could take the form of class action complaints by customers and certain legal actions include claims for substantial compensatory and/or punitive damages or claims for indeterminate amounts of damages. We establish reserves for legal claims when payments associated with the claims become probable and the payments can be reasonably estimated. Given the inherent difficulty of predicting the outcome of litigation and regulatory matters, it is generally very difficult to predict what the eventual outcome will be, and when the matter will be resolved. The actual costs of resolving legal claims may be higher or lower than any amounts reserved for the claims. At December 31, 2015 , we estimated our reasonably possible legal exposure for unfavorable outcomes of up to $101 million , and have accrued $43 million . Other Administrative Tax Matters We accrue non-income tax liabilities for contingencies when management believes that a loss is probable and the amounts can be reasonably estimated, while contingent gains are recognized only when realized. In the event any losses are sustained in excess of accruals, they will be charged against income at that time. In evaluating indirect tax matters, we take into consideration factors such as our historical experience with matters of similar nature, specific facts and circumstances, and the likelihood of prevailing. We reevaluate and update our accruals as matters progress over time. Where there is a reasonable possibility that losses exceeding amounts already recognized may be incurred, our estimate of the additional range of loss is up to $50 million .

Parent Company Stock-Based Comp

Parent Company Stock-Based Compensation	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Parent Stock-Based Compensation	Parent Company Stock-Based Compensation GM provides certain stock-based compensation plans for employees and key executive officers. Long-Term Incentive Plan GM grants to certain employees Restricted Stock Units (“RSUs”), Performance-based Share Units (“PSUs”) and stock options. Shares awarded under the plans are subject to forfeiture if the participant leaves the company for reasons other than those permitted under the plans, such as retirement, death or disability. GM's policy is to issue new shares upon settlement of RSUs. The following table summarizes the awards granted (units in thousands): Year Ended December 31, 2015 2014 2013 RSUs 317 431 700 PSUs 366 326 — Stock options 786 — — The RSUs awarded either cliff vest or ratably vest over a three -year service period, as defined in the terms for each award. Vesting and subsequent settlement will generally occur based on employment at the end of each specified service period. The ultimate number of PSUs earned will be determined at the end of the specified performance period, which is three years, based on performance criteria determined by the Executive Compensation Committee of the GM Board of Directors at the time of award. The number of shares earned may equal, exceed or be less than the targeted number of shares depending on whether the performance criteria are met, surpassed or not met. PSU awards generally vest and settle at the end of a three -year period. Stock options were granted to senior leaders to maintain the leadership consistency needed to achieve our and GM's short-term and long-term goals. Each recipient was required to accept non-compete and non-solicitation covenants. These stock options have a vesting feature whereby two-fifths of the award is exercisable approximately nineteen months after the date of grant and the remainder vest ratably over the next three years based on the performance of GM’s stock relative to that of a specified peer group. The stock options expire ten years from the grant date. Salary Stock Plan In the year ended December 31, 2013 a portion of each participant's salary was accrued on each salary payment date and converted to RSUs on a quarterly basis. In June 2013 the plan was amended to provide for cash or share settlement of awards based on election by the participant. The liability for these awards continues to be remeasured to fair value at the end of each reporting period. RSUs, PSUs and Stock Options The following table summarizes information about RSU, PSUs and stock options granted to our employees and key executive officers under GM's stock-based compensation programs (units in thousands): Year Ended December 31, 2015 Shares Weighted-Average Grant Date Fair Value Weighted-Average Remaining Contractual Term (years) Units outstanding at January 1, 2015 1,409 $ 32.75 1.5 Granted 1,469 $ 34.27 Forfeited or expired (17 ) $ 36.04 Settled (559 ) $ 28.99 Units outstanding at December 31, 2015 2,302 $ 34.61 1.3 Units unvested and expected to vest at December 31, 2015 1,464 $ 35.40 1.4 Units vested and payable at December 31, 2015 778 $ 33.05 Units granted in the year ended December 31, 2014 $ 35.96 Units granted in the year ended December 31, 2013 $ 33.58 The following table summarizes compensation expense recorded for stock-based incentive plans (in millions): Years Ended December 31, 2015 2014 2013 Compensation expense $ 36 $ 19 $ 21 Income tax benefit 13 8 8 Compensation expense, net of tax $ 23 $ 11 $ 13 At December 31, 2015 and 2014 , total unrecognized compensation expense for nonvested equity awards granted was $53 million and $31 million . This expense is expected to be recorded over a weighted-average period of 1.4 years . The total fair value of RSUs and PSUs vested in the years ended December 31, 2015, 2014, and 2013 was $13 million , $9 million and $9 million for each year. In the years ended December 31, 2015, 2014, and 2013 , total payments for 254,000 , 359,000 and 317,000 RSUs settled in cash under stock incentive plans were $9 million , $13 million and $10 million .

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Employee Benefit Plans	Employee Benefit Plans We have defined contribution retirement plans covering substantially all employees in the North America Segment as well as in Brazil and the U.K. We recognized $17 million , $12 million and $8 million in compensation expense for 2015, 2014 and 2013 related to these plans. Contributions to the plans were made in cash. Certain employees in the International Segment are eligible to participate in plans that provide for pension payments upon retirement based on factors such as length of service and salary. The associated liability was $109 million and $115 million at December 31, 2015 and 2014. We recognized $6 million , $6 million and $5 million in net periodic pension expense in 2015, 2014 and 2013.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The following table summarizes income before income taxes and equity income (in millions): Years Ended December 31, 2015 2014 2013 U.S. income $ 362 $ 481 $ 637 Non-U.S. income 359 334 246 Income before income taxes and equity income $ 721 $ 815 $ 883 Income Tax Expense The following table summarizes income tax expense (in millions): Years Ended December 31, 2015 2014 2013 Current income tax expense U.S. federal $ 13 $ 284 $ 67 U.S. state and local (5 ) 14 5 Non-U.S. 51 63 66 Total current 59 361 138 Deferred income tax expense U.S. federal 95 (87 ) 176 U.S. state and local 6 (5 ) 7 Non-U.S. 31 9 (4 ) Total deferred 132 (83 ) 179 Total income tax provision $ 191 $ 278 $ 317 Provisions are made for estimated U.S. and non-U.S. income taxes, less available tax credits and deductions, which may be incurred on the remittance of our basis differences in investments in foreign subsidiaries not deemed to be indefinitely reinvested. Taxes have not been provided on basis differences in investments as a result of earnings in foreign subsidiaries which are deemed indefinitely reinvested of $21 million and $26 million at December 31, 2015 and 2014. Quantification of the deferred tax liability, if any, associated with indefinitely reinvested basis differences is not practicable. The following table summarizes a reconciliation of income tax expense (benefit) compared with the amounts at the U.S. federal statutory income tax rate: Years Ended December 31, 2015 2014 2013 U.S. statutory tax rate 35.0 % 35.0 % 35.0 % Non-U.S. income taxed at other than 35% (3.2 ) (2.2 ) (1.7 ) State and local income taxes 0.9 1.2 1.1 U.S. tax on non-U.S. earnings (3.2 ) 7.2 (1.7 ) Valuation allowance 7.1 (4.9 ) 3.4 Tax credits and incentives (6.6 ) (0.8 ) — Other (3.5 ) (1.5 ) (0.2 ) Effective tax rate 26.5 % 34.0 % 35.9 % Deferred Income Tax Assets and Liabilities Deferred income tax assets and liabilities at December 31, 2015 and 2014 reflect the effect of temporary differences between amounts of assets, liabilities and equity for financial reporting purposes and the basis of such assets, liabilities and equity as measured by tax laws, as well as tax loss and tax credit carryforwards. The following table summarizes the components of temporary differences and carryforwards that give rise to deferred tax assets and liabilities (in millions): December 31, 2015 December 31, 2014 Deferred tax assets: Net operating loss carryforward - U.S. (a) $ 409 $ 6 Net operating loss carryforward - Non-U.S. (b) 189 199 Market value difference of loan portfolio 166 349 Accruals 107 157 Tax Credits (c) 131 2 Other 113 147 Total deferred tax assets before valuation allowance 1,115 860 Less: valuation allowance (104 ) (57 ) Total deferred tax assets 1,011 803 Deferred tax liabilities: Depreciable assets 645 300 Intangible assets 34 35 Accrued commissions 27 41 Deferred acquisition costs/revenue 116 50 Tax on unremitted earnings of non-U.S. entities 47 — Other 40 56 Total deferred tax liabilities 909 482 Net deferred tax asset $ 102 $ 321 _________________ (a) Includes tax-effected operating losses of $409 million expiring through 2036 at December 31, 2015 . (b) Includes tax-effected operating losses of $84 million expiring through 2032 and $105 million that may be carried forward indefinitely at December 31, 2015. (c) Includes tax credits of $131 million expiring through 2036 at December 31, 2015. We are included in GM’s consolidated U.S. federal income tax return and certain states’ income tax returns. Net operating losses and certain tax credits generated by us have been utilized by GM; however, income tax expense and deferred tax balances are presented in these financial statements as if we filed our own tax returns in each jurisdiction. As of December 31, 2015, we have $50 million in valuation allowances against deferred tax assets in non-U.S. jurisdictions and $54 million in valuation allowances against deferred tax assets in U.S. jurisdictions. The increase in our valuation allowance is primarily related to a change in our assessment of the realization of certain U.S. tax credits. Uncertain Tax Positions The following table summarizes activity of unrecognized tax benefits (in millions): Years Ended December 31, 2015 2014 2013 Beginning balance $ 95 $ 130 $ 53 International operations acquired amounts — — 71 Additions to prior years' tax positions — 1 — Reductions to prior years' tax positions (7 ) (12 ) (1 ) Additions to current year tax positions 1 7 12 Reductions in tax positions due to lapse of statutory limitations (16 ) (6 ) (3 ) Settlements (2 ) (20 ) (1 ) Foreign currency translation (10 ) (5 ) (1 ) Ending balance $ 61 $ 95 $ 130 At December 31, 2015, 2014 and 2013, there were $35 million , $71 million and $104 million of net unrecognized tax benefits that, if recognized, would favorably affect the effective tax rate. We recognize accrued interest and penalties associated with uncertain tax positions as a component of the income tax provision. Accrued interest and penalties are included within the related tax liability line on the consolidated balance sheets. During 2014 and 2013, we recorded income tax related interest expense (benefit) and penalties of $(12) million and $(7) million . The amount recorded in 2015 was insignificant. At December 31, 2015 and 2014 we had liabilities of $75 million and $125 million for income tax-related interest and penalties. At December 31, 2015, we believe that it is reasonably possible that the balance of the gross unrecognized tax benefits could decrease by as much as $20 million in the next twelve months due to settlements or the expiration of statutes of limitations. Periodically we make deposits to taxing jurisdictions which reduce our unrecognized tax benefit balance, but are not reflected in the reconciliation above. The amount of deposits that reduce our unrecognized tax benefit liability in the consolidated balance sheets was $12 million at December 31, 2015 and $22 million at December 31, 2014. Other Matters Since October 1, 2010, we have been included in GM's consolidated U.S. federal income tax returns. For taxable income we recognize in any period beginning on or after October 1, 2010, we are obligated to pay GM for our share of the consolidated U.S. federal and certain state tax liabilities. Amounts owed to GM for income taxes are accrued and recorded as a related party payable. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2010 through 2014 were deferred for four years from their original due date. During 2014, accrued tax payments of $296 million related to the 2010 and 2011 tax years were converted to and treated as capital contributions. At December 31, 2014, we had related party taxes payable to GM in the amount of $636 million . During 2015, the outstanding balance was converted to and treated as a capital contribution. Income tax returns are filed in multiple jurisdictions and are subject to examination by taxing authorities throughout the world. We have open tax years from 2008 to 2015 with various tax jurisdictions. These open years contain matters that could be subject to differing interpretations of applicable tax laws and regulations as they relate to the amount, character, timing or inclusion of revenue and/or recognition of expenses, or the sustainability of income tax credits. Certain of our state and foreign tax returns are currently under examination in various jurisdictions.

Supplemental Cash Flow Informat

Supplemental Cash Flow Information	12 Months Ended
	Dec. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Supplemental Cash Flow Information	Supplemental Cash Flow Information Cash payments for interest costs and income taxes consist of the following (in millions): Years Ended December 31, 2015 2014 2013 Interest costs (none capitalized) $ 1,295 $ 1,120 $ 760 Income taxes $ 84 $ 127 $ 39 Non-cash investing items consist of the following (in millions): Years Ended December 31, 2015 2014 2013 Subvention receivable from GM $ 383 $ 189 $ 82 Commercial loan funding payable to GM $ 351 $ 427 $ 362

Fair Value of Financial Instrum

Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Value of Financial Instruments	Fair Values of Financial Instruments Fair values are based on estimates using present value or other valuation techniques in cases where quoted market prices are not available. Those techniques are significantly affected by the assumptions used, including the discount rate and the estimated timing and amount of future cash flows. Therefore, the estimates of fair value may differ substantially from amounts that ultimately may be realized or paid at settlement or maturity of the financial instruments and those differences may be material. Disclosures about fair value of financial instruments exclude certain financial instruments and all non-financial instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of our company. Estimated fair values, carrying values and various methods and assumptions used in valuing our financial instruments are set forth below (in millions): December 31, 2015 December 31, 2014 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets Cash and cash equivalents (a) 1 $ 3,061 $ 3,061 $ 2,974 $ 2,974 Retail finance receivables, net 3 $ 28,390 $ 28,545 $ 24,968 $ 25,541 Commercial finance receivables, net (b) 2 $ 8,392 $ 8,392 $ 8,032 $ 8,032 Restricted cash (a) 1 $ 1,941 $ 1,941 $ 2,071 $ 2,071 Financial liabilities Secured debt North America (c) 2 $ 23,151 $ 23,182 $ 15,454 $ 15,497 International (d) 2 $ 3,122 $ 3,125 $ 5,690 $ 5,694 International (e) 3 $ 4,416 $ 4,364 $ 4,070 $ 4,037 Unsecured debt North America (f) 2 $ 17,731 $ 17,792 $ 7,846 $ 8,092 International (g) 2 $ 4,605 $ 4,617 $ 3,496 $ 3,507 International (e) 3 $ 1,321 $ 1,317 $ 875 $ 880 _________________ (a) Cash and cash equivalents bear interest at market rates; therefore, carrying value is considered to be a reasonable estimate of fair value. (b) The fair value commercial finance receivables is assumed to be carrying value, as the receivables generally have variable interest rates and maturities of one year or less. (c) Secured debt in the North America Segment is comprised of revolving credit facilities, publicly-issued secured debt, and privately-issued secured debt, and is valued using level 2 inputs. For the revolving credit facilities with variable rates of interest and terms of one year or less, carrying value is considered to be a reasonable estimate of fair value. The fair value of the publicly-issued secured debt is based on quoted market prices of identical instruments in thinly-traded markets, when available. If quoted market prices are not available, and for determining the fair value of privately-issued secured debt, the market value is estimated using quoted market prices of similar securities. (d) The fair value is assumed to be par value, as the debt has terms of one year or less, or has been priced within the last six months. (e) The fair value is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (f) The fair value is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of senior notes is based on quoted market prices of identical instruments in thinly-traded markets. The fair value of other unsecured debt is assumed to be par value, as the debt has terms of one year or less. The fair value of our retail finance receivables is based on observable and unobservable inputs within a discounted cash flow model. Those unobservable inputs reflect assumptions regarding expected prepayments, deferrals, delinquencies, recoveries and charge-offs of the loans within the portfolio. The cash flow model produces an estimated amortization schedule of the finance receivables which is the basis for the calculation of the series of cash flows that derive the fair value of the portfolio. For the North America Segment, the series of cash flows is calculated and discounted using a weighted-average cost of capital using unobservable debt and equity percentages, an unobservable cost of equity and an observable cost of debt based on companies with a similar credit rating and maturity profile. For the International Segment, the series of cash flows is calculated and discounted using current interest rates. Macroeconomic factors could affect the credit performance of our portfolio and therefore could potentially impact the assumptions used in our cash flow model.

Segment Reporting and Geographi

Segment Reporting and Geographic Information	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Segment Reporting and Geographic Information	Segment Reporting and Geographic Information Segments We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment (consisting of operations in the U.S. and Canada) and the International Segment (consisting of operations in all other countries). Our chief operating decision maker evaluates the operating results and performance of our business based on these operating segments. The management of each segment is responsible for executing our strategies. For segment reporting purposes only, interest expense related to the senior notes has been allocated based on targeted leverage for each segment. Interest expense in excess of the targeted overall leverage is reflected in the "Corporate" column below. In addition, the interest income on intercompany loans provided to the international operations is presented in the "Corporate" column as revenue. All inter-segment balances and transactions have been eliminated. Key operating data for our operating segments were as follows (in millions): Year Ended December 31, 2015 North America International Corporate Eliminations Total Total revenue $ 4,777 $ 1,677 $ 13 $ (13 ) $ 6,454 Operating expenses, including leased vehicle expenses 2,925 568 — — 3,493 Provision for loan losses 466 158 — — 624 Interest expense 833 722 74 (13 ) 1,616 Equity income — 116 — — 116 Income (loss) before income taxes $ 553 $ 345 $ (61 ) $ — $ 837 Year Ended December 31, 2014 North America International Corporate Eliminations Total Total revenue $ 2,909 $ 1,945 $ 56 $ (56 ) $ 4,854 Operating expenses, including leased vehicle expenses 1,385 624 — — 2,009 Provision for loan losses 472 132 — — 604 Interest expense 459 954 69 (56 ) 1,426 Income (loss) before income taxes $ 593 $ 235 $ (13 ) $ — $ 815 Year Ended December 31, 2013 North America International Corporate Eliminations Total Total revenue $ 2,376 $ 968 $ 43 $ (43 ) $ 3,344 Operating expenses, including leased vehicle expenses 893 330 — — 1,223 Provision for loan losses 393 82 — — 475 Interest expense 360 362 42 (43 ) 721 Acquisition and integration expenses — 42 — — 42 Income before income taxes $ 730 $ 152 $ 1 $ — $ 883 December 31, 2015 December 31, 2014 North America International Total North America International Total Finance receivables, net $ 21,558 $ 15,223 $ 36,781 $ 15,943 $ 17,057 $ 33,000 Leased vehicles, net $ 20,086 $ 86 $ 20,172 $ 7,029 $ 31 $ 7,060 Total assets $ 47,419 $ 18,485 $ 65,904 $ 27,586 $ 20,022 $ 47,608 Geographic Information The following table summarizes information concerning principal geographic areas (in millions): At and For the Years Ended December 31, 2015 2014 2013 Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) U.S. $ 4,324 $ 18,501 $ 2,552 $ 5,477 $ 2,185 $ 2,472 Canada 453 1,731 357 1,635 204 965 Brazil 757 3 964 4 234 4 Other countries (b) 920 156 981 116 721 74 Total consolidated $ 6,454 $ 20,391 $ 4,854 $ 7,232 $ 3,344 $ 3,515 _________________ (a) Long-lived assets includes $20.2 billion , $7.1 billion and $3.4 billion of vehicles on operating leases at December 2015, 2014 and 2013. (b) No individual country represents more than 10% of our total revenue or long-lived assets.

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive (Loss) Income	Accumulated Other Comprehensive (Loss) Income A summary of changes in accumulated other comprehensive (loss) income is as follows (in millions): Years Ended December 31, 2015 2014 2013 Defined benefit plans, net Balance at beginning of period $ (11 ) $ 3 $ — Unrealized (loss) gain on subsidiary pension, net of tax (2 ) (14 ) 3 Balance at end of period (13 ) (11 ) 3 Foreign currency translation adjustment Balance at beginning of period (422 ) 8 (3 ) Translation (loss) gain (669 ) (430 ) 11 Balance at end of period (1,091 ) (422 ) 8 Total accumulated other comprehensive (loss) income $ (1,104 ) $ (433 ) $ 11

Regulatory Capital and Other Re

Regulatory Capital and Other Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Capital and Other Regulatory Matters [Abstract]
Regulatory Capital and Other Regulatory Matters	Regulatory Capital and Other Regulatory Matters We are required to comply with a wide variety of laws and regulations. The International Segment includes the operations of certain stand-alone entities that operate in local markets as either banks or regulated finance companies and are subject to regulatory restrictions. These regulatory restrictions, among other things, require that these entities meet certain minimum capital requirements and may restrict dividend distributions and ownership of certain assets. We were in compliance with all regulatory capital requirements as most recently reported. The following table lists the most recently reported minimum statutory capital requirements and the actual statutory capital for our significant regulated international banks: Country Minimum Capital Requirement Actual Capital Germany 8.0 % 18.1 % Brazil 11.0 % 13.4 % Total assets of our regulated international banks and finance companies were approximately $11.1 billion and $11.4 billion at December 31, 2015 and 2014 .

Quarterly Financial Data (unaud

Quarterly Financial Data (unaudited)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Data [Abstract]
Quarterly Financial Data (unaudited)	Quarterly Financial Data (unaudited) The following tables summarize supplementary quarterly financial information (in millions): First Quarter Second Quarter Third Quarter Fourth Quarter Year Ended December 31, 2015 Total revenue $ 1,354 $ 1,515 $ 1,707 $ 1,878 Income before income taxes $ 214 $ 225 $ 231 $ 167 Net income $ 150 $ 186 $ 179 $ 131 Year Ended December 31, 2014 Total revenue $ 1,097 $ 1,191 $ 1,261 $ 1,305 Income before income taxes $ 222 $ 265 $ 208 $ 120 Net income $ 145 $ 175 $ 158 $ 59

Guarantor Consolidating Financi

Guarantor Consolidating Financial Statements	12 Months Ended
	Dec. 31, 2015
Guarantor Consolidating Financial Statements [abstract]
Guarantor Consolidating Financial Statements	Guarantor Consolidating Financial Statements The payment of principal and interest on senior notes issued by our top-tier holding company is currently guaranteed solely by AFSI (the "Guarantor") and none of our other subsidiaries (the "Non-Guarantor Subsidiaries"). The Guarantor is a 100% owned consolidated subsidiary and is unconditionally liable for the obligations represented by the senior notes. The Guarantor’s guarantee may be released only upon customary circumstances, the terms of which vary by issuance. Customary circumstances include the sale or disposition of all of the Guarantor’s assets or capital stock, the achievement of investment grade rating of the senior notes and legal or covenant defeasance. The consolidating financial statements present consolidating financial data for (i) General Motors Financial Company, Inc. (on a parent-only basis), (ii) the Guarantor, (iii) the combined Non-Guarantor Subsidiaries and (iv) the parent company and our subsidiaries on a consolidated basis at December 31, 2015 and December 31, 2014 and for the years ended December 31, 2015, 2014 and 2013 (after the elimination of intercompany balances and transactions). Investments in subsidiaries are accounted for by the parent company using the equity method for purposes of this presentation. Results of operations of subsidiaries are therefore reflected in the parent company's investment accounts and earnings. The principal elimination entries set forth below eliminate investments in subsidiaries and intercompany balances and transactions. We determined that a revision was required to correct the classification of certain intercompany amounts between General Motors Financial Company Inc. and Guarantor and Non-Guarantor Subsidiaries that were previously being presented net within the change in the due from/due to affiliates line item in the consolidating balance sheet in the financing activities section of the consolidating statements of cash flows for the years ended December 31, 2014 and 2013. As a result, correcting adjustments have been made from what was previously reported to (1) reclassify $3.1 billion and $1.5 billion of the net change in the due from affiliates for General Motors Financial Company, Inc. within the consolidating statements of cash flows to the investing activities section for 2014 and 2013, respectively; (2) reclassify $443 million and $159 million of the net change in the due from affiliates for the Guarantor within the consolidating statements of cash flows to the investing activities section for 2014 and 2013, respectively; (3) reclassify $400 million of the net change of the due to affiliates for the Non-Guarantor subsidiaries within the consolidated statement of cash flow to the investing activities section for 2014; and (4) report a $2.0 billion due from affiliates for the Guarantor within the consolidating balance sheet at December 31, 2014 that was previously presented net within the due to affiliates line. In addition, reclassifications have been made solely within the investing activities section of the consolidating statements of cash flows to separately present cash flow activities related to repurchases by the Guarantor of receivables that had previously been transferred to Non-Guarantor Subsidiaries of $1.4 billion and $1.0 billion for 2014 and 2013, respectively. These adjustments had no effect on the consolidated financial statements at or for the years ended December 31, 2014 or 2013. GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING BALANCE SHEET December 31, 2015 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Finance receivables, net — 4,808 31,973 — 36,781 Leased vehicles, net — — 20,172 — 20,172 Restricted cash — 60 1,881 — 1,941 Goodwill 1,095 — 94 — 1,189 Equity in net assets of non-consolidated affiliates — — 986 — 986 Property and equipment, net — 41 178 — 219 Deferred income taxes 212 — 179 (160 ) 231 Related party receivables — 27 546 — 573 Other assets 32 32 687 — 751 Due from affiliates 15,573 7,556 — (23,129 ) — Investment in affiliates 8,476 6,425 — (14,901 ) — Total assets $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 30,689 $ — $ 30,689 Unsecured debt 17,087 — 6,570 — 23,657 Accounts payable and accrued expenses 181 717 320 — 1,218 Deferred income — — 1,454 — 1,454 Deferred income taxes — 289 — (160 ) 129 Related party payable — — 362 — 362 Other liabilities 68 34 241 — 343 Due to affiliates — 15,495 7,634 (23,129 ) — Total liabilities 17,336 16,535 47,270 (23,289 ) 57,852 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,484 79 6,490 (6,569 ) 6,484 Accumulated other comprehensive loss (1,104 ) (175 ) (1,095 ) 1,270 (1,104 ) Retained earnings 2,672 4,769 4,135 (8,904 ) 2,672 Total shareholder's equity 8,052 4,673 10,228 (14,901 ) 8,052 Total liabilities and shareholder's equity $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING BALANCE SHEET December 31, 2014 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,266 $ 708 $ — $ 2,974 Finance receivables, net — 2,401 30,599 — 33,000 Leased vehicles, net — — 7,060 — 7,060 Restricted cash — 17 2,054 — 2,071 Goodwill 1,095 — 149 — 1,244 Property and equipment, net — 23 149 — 172 Deferred income taxes 28 — 601 (288 ) 341 Related party receivables — 11 373 — 384 Other assets 29 18 315 — 362 Due from affiliates 6,787 1,965 400 (9,152 ) — Investment in affiliates 7,684 4,059 — (11,743 ) — Total assets $ 15,623 $ 10,760 $ 42,408 $ (21,183 ) $ 47,608 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 25,173 $ — $ 25,173 Unsecured debt 7,435 — 4,707 — 12,142 Accounts payable and accrued expenses 78 156 768 — 1,002 Deferred income — — 392 — 392 Deferred income taxes — 288 20 (288 ) 20 Related party taxes payable 636 — — — 636 Related party payable — — 433 — 433 Other liabilities 82 12 324 — 418 Due to affiliates — 6,129 3,023 (9,152 ) — Total liabilities 8,231 6,585 34,840 (9,440 ) 40,216 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,799 79 4,064 (4,143 ) 5,799 Accumulated other comprehensive loss (433 ) (64 ) (410 ) 474 (433 ) Retained earnings 2,026 4,160 3,224 (7,384 ) 2,026 Total shareholder's equity 7,392 4,175 7,568 (11,743 ) 7,392 Total liabilities and shareholder's equity $ 15,623 $ 10,760 $ 42,408 $ (21,183 ) $ 47,608 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2015 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 403 $ 2,978 $ — $ 3,381 Leased vehicle income — — 2,807 — 2,807 Other income 13 505 139 (391 ) 266 Total revenue 13 908 5,924 (391 ) 6,454 Costs and expenses Salaries and benefits — 332 394 — 726 Other operating expenses 64 105 649 (251 ) 567 Total operating expenses 64 437 1,043 (251 ) 1,293 Leased vehicle expenses — — 2,200 — 2,200 Provision for loan losses — 398 226 — 624 Interest expense 488 18 1,250 (140 ) 1,616 Total costs and expenses 552 853 4,719 (391 ) 5,733 Equity income 941 579 116 (1,520 ) 116 Income before income taxes 402 634 1,321 (1,520 ) 837 Income tax (benefit) provision (244 ) 25 410 — 191 Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Comprehensive (loss) income $ (25 ) $ 498 $ 225 $ (723 ) $ (25 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2014 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 194 $ 3,281 $ — $ 3,475 Leased vehicle income — — 1,090 — 1,090 Other income 68 432 178 (389 ) 289 Total revenue 68 626 4,549 (389 ) 4,854 Costs and expenses Salaries and benefits — 249 365 — 614 Other operating expenses 159 (17 ) 657 (251 ) 548 Total operating expenses 159 232 1,022 (251 ) 1,162 Leased vehicle expenses — — 847 — 847 Provision for loan losses — 334 270 — 604 Interest expense 232 23 1,309 (138 ) 1,426 Total costs and expenses 391 589 3,448 (389 ) 4,039 Equity income 757 523 — (1,280 ) — Income before income taxes 434 560 1,101 (1,280 ) 815 Income tax (benefit) provision (103 ) 12 369 — 278 Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Comprehensive income $ 93 $ 491 $ 298 $ (789 ) $ 93 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2013 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 140 $ 2,423 $ — $ 2,563 Leased vehicle income — — 595 — 595 Other income 56 433 105 (408 ) 186 Total revenue 56 573 3,123 (408 ) 3,344 Costs and expenses Salaries and benefits — 216 232 — 448 Other operating expenses (100 ) 228 441 (247 ) 322 Total operating expenses (100 ) 444 673 (247 ) 770 Leased vehicle expenses — — 453 — 453 Provision for loan losses — 239 236 — 475 Interest expense 180 37 665 (161 ) 721 Acquisition and integration expenses — — 42 — 42 Total costs and expenses 80 720 2,069 (408 ) 2,461 Equity income 584 551 — (1,135 ) — Income before income taxes 560 404 1,054 (1,135 ) 883 Income tax (benefit) provision (6 ) (42 ) 365 — 317 Net income $ 566 $ 446 $ 689 $ (1,135 ) $ 566 Comprehensive income $ 580 $ 449 $ 700 $ (1,149 ) $ 580 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2015 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 28 3 2,372 — 2,403 Accretion and amortization of loan and leasing fees — 25 (634 ) — (609 ) Amortization of carrying value adjustment — (14 ) (135 ) — (149 ) Equity in income of affiliates (941 ) (579 ) (116 ) 1,520 (116 ) Provision for loan losses — 398 226 — 624 Deferred income taxes (189 ) 2 319 — 132 Stock-based compensation expense 33 — 3 — 36 Other 32 (5 ) (64 ) — (37 ) Changes in assets and liabilities: Other assets (3 ) 25 (126 ) — (104 ) Accounts payable and accrued expenses 100 531 (349 ) — 282 Taxes payable (12 ) 1 (9 ) — (20 ) Related party taxes payable (636 ) — — — (636 ) Related party payables 1 — (14 ) — (13 ) Net cash (used in) provided by operating activities (941 ) 996 2,384 — 2,439 Cash flows from investing activities Purchases of retail finance receivables, net — (13,997 ) (16,981 ) 13,461 (17,517 ) Principal collections and recoveries on retail finance receivables — 755 10,971 — 11,726 Proceeds from transfer of retail finance receivables, net — 10,428 3,033 (13,461 ) — Net funding of commercial finance receivables — 6 (1,023 ) — (1,017 ) Purchases of leased vehicles, net — — (15,337 ) — (15,337 ) Proceeds from termination of leased vehicles — — 1,096 — 1,096 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (21 ) (69 ) — (90 ) Change in restricted cash — (43 ) (221 ) — (264 ) Change in other assets — — 30 — 30 Net change in due from affiliates (8,819 ) (5,593 ) — 14,412 — Net change in investment in affiliates (6 ) (1,893 ) — 1,899 — Net cash used in investing activities (9,338 ) (10,769 ) (18,501 ) 16,311 (22,297 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 1,147 — 1,147 Borrowings and issuance of secured debt — — 22,385 — 22,385 Payments on secured debt — — (15,178 ) — (15,178 ) Borrowings and issuance of unsecured debt 9,687 — 3,290 — 12,977 Payments on unsecured debt — — (1,709 ) — (1,709 ) Net capital contributions 649 — 1,899 (1,899 ) 649 Debt issuance costs (58 ) — (97 ) — (155 ) Other 1 — — — 1 Net change in due to affiliates — 9,766 4,646 (14,412 ) — Net cash provided by financing activities 10,279 9,766 16,383 (16,311 ) 20,117 Net increase (decrease) in cash and cash equivalents — (7 ) 266 — 259 Effect of foreign exchange rate changes on cash and cash equivalents — — (172 ) — (172 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 2,259 $ 802 $ — $ 3,061 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2014 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 14 2 976 — 992 Accretion and amortization of loan and leasing fees — 4 (367 ) — (363 ) Amortization of carrying value adjustment — (4 ) (230 ) — (234 ) Equity in income of affiliates (757 ) (523 ) — 1,280 — Provision for loan losses — 334 270 — 604 Deferred income taxes 1 127 (211 ) — (83 ) Stock-based compensation expense 18 — 1 — 19 Other 137 (2 ) 47 — 182 Changes in assets and liabilities: Other assets (18 ) (14 ) (56 ) — (88 ) Accounts payable and accrued expenses 36 (25 ) 122 — 133 Taxes payable (3 ) — (60 ) — (63 ) Related party taxes payable (7 ) — — — (7 ) Related party payable — — 5 — 5 Net cash (used in) provided by operating activities (42 ) 447 1,229 — 1,634 Cash flows from investing activities Purchases of retail finance receivables, net — (8,220 ) (14,321 ) 7,792 (14,749 ) Principal collections and recoveries on retail finance receivables — (99 ) 10,959 — 10,860 Proceeds from transfer of retail finance receivables, net — 6,369 1,423 (7,792 ) — Net funding of commercial finance receivables — (128 ) (1,770 ) — (1,898 ) Purchases of leased vehicles, net — — (4,882 ) — (4,882 ) Proceeds from termination of leased vehicles — — 533 — 533 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (20 ) (32 ) — (52 ) Change in restricted cash — 3 (235 ) — (232 ) Change in other assets — — (2 ) — (2 ) Net change in due from affiliates (3,149 ) (443 ) (400 ) 3,992 — Net change in investment in affiliates (357 ) (27 ) — 384 — Net cash used in investing activities (3,552 ) (2,565 ) (8,727 ) 4,376 (10,468 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 470 — 470 Borrowings and issuance of secured debt — — 21,080 — 21,080 Payments on secured debt — — (16,890 ) — (16,890 ) Borrowings and issuance of unsecured debt 3,500 — 3,674 — 7,174 Payments on unsecured debt — — (1,889 ) — (1,889 ) Net capital contributions 996 — 382 (382 ) 996 Debt issuance costs (39 ) — (88 ) — (127 ) Net change in due to affiliates (863 ) 3,989 866 (3,992 ) — Net cash provided by financing activities 3,594 3,989 7,605 (4,374 ) 10,814 Net increase (decrease) in cash and cash equivalents — 1,871 107 2 1,980 Effect of foreign exchange rate changes on cash and cash equivalents — — (78 ) (2 ) (80 ) Cash and cash equivalents at beginning of period — 395 679 — 1,074 Cash and cash equivalents at end of period $ — $ 2,266 $ 708 $ — $ 2,974 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2013 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 566 $ 446 $ 689 $ (1,135 ) $ 566 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 8 2 535 — 545 Accretion and amortization of loan and leasing fees — 2 (90 ) — (88 ) Amortization of carrying value adjustment — (2 ) (92 ) — (94 ) Equity in income of affiliates (584 ) (551 ) — 1,135 — Provision for loan losses — 239 236 — 475 Deferred income taxes 9 133 37 — 179 Stock-based compensation expense 9 — — — 9 Other (118 ) — (49 ) — (167 ) Changes in assets and liabilities Other assets (71 ) 22 (78 ) — (127 ) Accounts payable and accrued expenses 73 34 88 — 195 Taxes payable (6 ) (5 ) 31 — 20 Related party taxes payable 84 — — — 84 Related party payable — — (39 ) — (39 ) Net cash (used in) provided by operating activities (30 ) 320 1,268 — 1,558 Cash flows from investing activities Purchases of retail finance receivables, net — (6,119 ) (11,360 ) 7,906 (9,573 ) Principal collections and recoveries on retail finance receivables — (124 ) 7,648 — 7,524 Proceeds from transfer of retail finance receivables, net — 6,921 985 (7,906 ) — Net funding of commercial finance receivables — 39 (1,351 ) 46 (1,266 ) Purchases of leased vehicles, net — — (2,262 ) — (2,262 ) Proceeds from termination of leased vehicles — — 217 — 217 Acquisition of international operations (3,222 ) — 607 — (2,615 ) Purchases of property and equipment — (3 ) (13 ) — (16 ) Change in restricted cash — (16 ) (251 ) — (267 ) Change in other assets — — 3 — 3 Net change in due from affiliates (1,531 ) (1,022 ) — 2,553 — Net change in investment in affiliates (29 ) (818 ) — 847 — Net cash used in investing activities (4,782 ) (1,142 ) (5,777 ) 3,446 (8,255 ) Cash flows from financing activities Borrowings and issuance of secured debt — — 17,378 — 17,378 Payments on secured debt — — (13,222 ) — (13,222 ) Borrowings and issuance of unsecured debt 2,500 — 2,724 — 5,224 Payments on unsecured debt — — (2,699 ) — (2,699 ) Borrowings on related party line of credit 1,100 — — — 1,100 Payments on related party line of credit (1,100 ) — — — (1,100 ) Repayment of debt to Ally Financial — — (1,416 ) — (1,416 ) Net capital contribution 1,478 — 672 (850 ) 1,300 Debt issuance costs (30 ) — (46 ) — (76 ) Other 1 — 1 — 2 Net change in due to affiliates 863 (35 ) 1,771 (2,599 ) — Net cash provided by (used in) financing activities 4,812 (35 ) 5,163 (3,449 ) 6,491 Net increase (decrease) in cash and cash equivalents — (857 ) 654 (3 ) (206 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (12 ) 3 (9 ) Cash and cash equivalents at beginning of period — 1,252 37 — 1,289 Cash and cash equivalents at end of period $ — $ 395 $ 679 $ — $ 1,074

Summary of Significant Accoun28

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Merger	We have been a wholly-owned subsidiary of GM since October 2010. We acquired Ally Financial's auto finance and financial services operations in Europe and Latin America in 2013. Additionally, on January 2, 2015, we acquired an equity interest in SAIC-GMAC, a joint venture that conducts business in China, from Ally Financial. The results of operations of the acquired entities since the applicable acquisition dates are included in our consolidated financial statements for the years ended December 31, 2015, 2014 and 2013.
Basis of Presentation	Basis of Presentation The consolidated financial statements include our accounts and the accounts of our wholly-owned subsidiaries, including certain special-purpose financing entities utilized in secured financing transactions, which are considered variable interest entities ("VIEs"). All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions which affect the reported amounts of assets and liabilities and the disclosures of contingent assets and liabilities as of the date of the financial statements and the amount of revenue and costs and expenses during the reporting periods. Actual results could differ from those estimates and those differences may be material. These estimates include, among other things, the determination of the allowance for loan losses on finance receivables, estimated residual value of leased vehicles, goodwill and income taxes. Generally, the financial statements of entities that operate outside of the U.S. are measured using the local currency as the functional currency. All assets and liabilities of the foreign subsidiaries are translated into U.S. dollars at period-end exchange rates and the results of operations and cash flows are determined using approximate weighted-average exchange rates for the period. Translation adjustments are related to the foreign subsidiaries using local currency as their functional currency and are reported as a separate component of accumulated other comprehensive income/loss. Foreign currency transaction gains or losses are recorded directly to the consolidated statements of income and comprehensive income, regardless of whether such amounts are realized or unrealized. We may enter into foreign currency derivatives to mitigate our exposure to changes in foreign exchange rates. See Note 10 - "Derivative Financial Instruments and Hedging Activities" for further discussion.
Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt	Net Presentation of Cash Flows on Commercial Finance Receivables and Related Debt Our commercial finance receivables are primarily comprised of floorplan financing, which are loans to dealers to finance vehicle inventory, also known as wholesale or inventory financing. In our experience, these loans are typically repaid in less than 90 days of when the credit is extended. Furthermore, we typically have the unilateral ability to call the loans and receive payment within 60 days of the call. Therefore, the presentation of the cash flows related to commercial finance receivables are reflected on the consolidated statements of cash flows as "Net funding of commercial finance receivables." We have revolving debt agreements to finance our commercial lending activities. The revolving period of these agreements ranges from 6 to 18 months; however, the terms of these financing agreements require that a borrowing base of eligible floorplan receivables, within certain concentration limits, must be maintained in sufficient amounts to support advances. When a dealer repays a floorplan receivable to us, either the amount advanced against such receivables must be repaid by us or else the equivalent amount in new receivables must be added to the borrowing base. Despite the revolving term exceeding 90 days , the actual term for repayment of advances under these agreements is when we receive repayment from the dealers, which is typically within 90 days of when the credit is extended. Therefore, the cash flows related to these revolving debt agreements are reflected on the consolidated statements of cash flows as “Net change in debt (original maturities less than three months).”
Cash Equivalents	Cash Equivalents Investments in highly liquid securities with original maturities of 90 days or less are included in cash and cash equivalents.
Consumer Finance Receivables and the Allowance for Loan Losses	Retail Finance Receivables and the Allowance for Loan Losses Our retail finance receivables portfolio consists of smaller-balance, homogeneous loans which are carried at amortized cost, net of allowance for loan losses. These loans are divided among pools based on common risk characteristics, such as internal credit score, origination period, delinquent status and geography. An internal credit score, of which FICO is an input in North America, is created by using algorithms or statistical models contained in origination scorecards. The scorecards are used to evaluate a consumer’s ability to pay based on statistical modeling of their prior credit usage, structure of the loan and other information. The output of the scorecards rank-order consumers from those that are most likely to pay to those that are least likely to pay. By further dividing the portfolio into pools based on internal credit scores we are better able to distinguish expected credit performance for different credit risks. These pools are collectively evaluated for impairment based on a statistical calculation, which is supplemented by management judgment. The allowance is aggregated for each of the pools. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable losses inherent in our finance receivables. We use a combination of forecasting methodologies to determine the allowance for loan losses, including roll rate modeling and static pool modeling techniques. A roll rate model is generally used to project near term losses and static pool models are generally used to project losses over the remaining life. Probable losses are estimated for groups of accounts aggregated by past-due status and origination month. Generally, loss experience over the last 10 years is evaluated. Recent performance is more heavily weighted when determining the allowance to result in an estimate that is more reflective of the current internal and external environments. Factors that are considered when estimating the allowance include historical delinquency migration to loss, probability of default ("PD") and loss given default ("LGD"). PD and LGD are specifically estimated for each monthly vintage (i.e., group of originations) in cases where vintage models are used. PD is estimated based on expectations that are aligned with internal credit scores. LGD is projected based on historical trends experienced over the last 10 years, weighted toward more recent performance in order to consider recent market supply and demand factors that impact wholesale used vehicle pricing. While forecasted probable losses are quantitatively derived, we assess the recent internal operating and external environments and may qualitatively adjust certain assumptions to result in an allowance that is more reflective of losses that are expected to occur in the current environment. We also use historical charge-off experience to determine a loss confirmation period ("LCP"). The LCP is a key assumption within our models and represents the average amount of time between when a loss event first occurs to when the receivable is charged-off. This LCP is the basis of our allowance and is applied to the forecasted probable credit losses to determine the amount of losses we believe exist at the balance sheet date. We believe these factors are relevant in estimating incurred losses and also consider an evaluation of overall portfolio credit quality based on indicators such as changes in our credit evaluation, underwriting and collection management policies, changes in the legal and regulatory environment, general economic conditions and business trends and uncertainties in forecasting and modeling techniques used in estimating our allowance. We update our retail loss forecast models and portfolio indicators on a quarterly basis to incorporate information reflective of the current economic environment. Assumptions regarding credit losses and loss confirmation periods are reviewed periodically and may be impacted by actual performance of finance receivables and changes in any of the factors discussed above. Should the credit loss assumption or LCP increase, there would be an increase in the amount of allowance for loan losses required, which would decrease the net carrying value of finance receivables and increase the amount of provision for loan losses. Finance receivables that are considered impaired, including troubled debt restructurings ("TDRs") are individually evaluated for impairment. In assessing the risk of individually impaired loans such as TDRs, among the factors we consider are the financial condition of the borrower, geography, collateral performance, historical loss experience, and industry-specific information that management believes is relevant in determining the occurrence of a loss event and measuring impairment. These factors are based on an evaluation of historical and current information, and involve subjective assessment and interpretation.
Commercial Finance Receivables and the Allowance for Loan Losses	Commercial Finance Receivables and the Allowance for Loan Losses Our commercial lending offerings consist of floorplan financing as well as dealer loans, which are loans to finance improvements to dealership facilities, to provide working capital, and to purchase and/or finance dealership real estate. Commercial finance receivables are carried at amortized cost, net of allowance for loan losses. Provisions for loan losses are charged to operations in amounts sufficient to maintain the allowance for loan losses at levels considered adequate to cover probable credit losses inherent in the commercial finance receivables. For the International Segment, we established the allowance for loan losses based on historical loss experience. Since we began offering commercial lending in the North America Segment in 2012, we have performed an analysis of the experience of comparable commercial lenders in order to estimate probable credit losses inherent in our portfolio. The commercial finance receivables are aggregated into loan-risk pools, which are determined based on our internally-developed risk rating system. Based upon our risk ratings, we also determine if any specific dealer loan is considered impaired. If impaired loans are identified, specific reserves are established, as appropriate, and the loan is segregated for separate monitoring.
Charge-off Policy	Charge-off Policy Our policy is to charge off a retail account in the month in which the account becomes 120 days contractually delinquent if we have not yet recorded a repossession charge-off. In the North America Segment, we charge off accounts in repossession when the automobile is repossessed and legally available for disposition. In the International Segment, we charge off accounts when the repossession process is started. A charge-off generally represents the difference between the estimated net sales proceeds and the amount of the contract, including accrued interest. Accounts in repossession that have been charged off and have been removed from finance receivables and the related repossessed automobiles, aggregating $54 million and $31 million at December 31, 2015 and 2014 , are included in other assets on the consolidated balance sheets pending sale and represent a non-cash investing activity. Commercial finance receivables are individually evaluated and, where collectability of the recorded balance is in doubt, are written down to the fair value of the collateral less costs to sell. Commercial receivables are charged off at the earlier of when they are deemed uncollectible or reach 360 days past due.
Troubled Debt Restructurings	Troubled Debt Restructurings In evaluating whether a loan modification constitutes a TDR, our policy for retail loans is that both of the following must exist: (i) the modification constitutes a concession; and (ii) the debtor is experiencing financial difficulties. In accordance with our policies and guidelines, we, at times, offer payment deferrals to customers. Each deferral allows the consumer to move up to two delinquent monthly payments to the end of the loan generally by paying a fee (approximately the interest portion of the payment deferred, except where state law provides for a lesser amount). A loan that is deferred two or more times would be considered significantly delayed and therefore meets the definition of a concession. A loan currently in payment default as the result of being delinquent would also represent a debtor experiencing financial difficulties. Therefore, considering these two factors, we have determined that the second deferment granted by us on a retail loan will be considered a TDR and the loan impaired. Accounts in Chapter 13 bankruptcy that have an interest rate or principal adjustment as part of a confirmed bankruptcy plan would also be considered TDRs. Retail finance receivables that become classified as TDRs are separately assessed for impairment. A specific allowance is estimated based on the present value of expected cash flows of the receivable discounted at the loan's original effective interest rate. Commercial receivables subject to forbearance, moratoriums, extension agreements, or other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral are classified as TDRs. We do not grant concessions on the principal balance of dealer loans.
Variable Interest Entities - Securitizations and Credit Facilities	Variable Interest Entities – Securitizations and Credit Facilities We finance our loan and lease origination volume through the use of our credit facilities and execution of securitization transactions, which both utilize special purpose entities ("SPEs"). In a credit facility, we transfer finance receivables or lease-related assets to special purpose finance subsidiaries. These subsidiaries, in turn, issue notes to the agents, collateralized by such assets and cash. The agents provide funding under the notes to the subsidiaries pursuant to an advance formula, and the subsidiaries forward the funds to us in consideration for the transfer of the assets. In our securitizations, we transfer finance receivables or lease-related assets to SPEs structured as securitization trusts ("Trusts"), which issue one or more classes of asset-backed securities. The asset-backed securities are in turn sold to investors. Our continuing involvement with the credit facilities and Trusts consist of servicing assets held by the SPEs and holding residual interests in the SPEs. These transactions are structured without recourse. The SPEs are considered VIEs under U.S. GAAP and are consolidated because we have: (i) power over the significant activities of the entity and (ii) an obligation to absorb losses or the right to receive benefits from the VIE which are potentially significant to the VIE. Our servicing fees are not considered significant variable interests in the VIEs; however, because we also retain residual interests in the SPEs, either in the form of debt securities or equity interests, we have an obligation to absorb losses or the right to receive benefits that are potentially significant to the SPEs. Accordingly, we are the primary beneficiary of the VIEs and are required to consolidate them within our consolidated financial statements. Therefore, the finance receivables, leasing related assets, borrowings under our credit facilities and, following a securitization, the related securitization notes payable remain on the consolidated balance sheets. See Note 3 - "Finance Receivables," Note 8 - "Debt" and Note 9 - "Variable Interest Entities" for further information. We are not required, and do not currently intend, to provide any additional financial support to SPEs. While these subsidiaries are included in our consolidated financial statements, these subsidiaries are separate legal entities and the finance receivables and other assets held by these subsidiaries are legally owned by them and are not available to our creditors or creditors of our other subsidiaries. Except for purchase accounting adjustments, we recognize finance charge, lease vehicle and fee income on the securitized assets and interest expense on the secured debt issued in a securitization transaction, and record a provision for loan losses to recognize probable loan losses inherent in the securitized assets. Cash pledged to support securitization transactions is deposited to a restricted account and recorded on our consolidated balance sheets as restricted cash, which is invested in highly liquid securities with original maturities of 90 days or less.
Property and Equipment	Property and Equipment As a result of the merger with GM and acquisition of the international operations, our property and equipment was adjusted to an estimated fair market value. Subsequent to the merger with GM, property and equipment additions are carried at amortized cost. Depreciation is generally provided on a straight-line basis over the estimated useful lives of the assets, which ranges from 1 to 30 years. The basis of assets sold or retired and the related accumulated depreciation are removed from the accounts at the time of disposition and any resulting gain or loss is included in operations. Maintenance, repairs and minor replacements are charged to operations as incurred; major replacements and betterments are capitalized.
Leased Vehicles	Leased Vehicles Leased vehicles consist of automobiles leased to customers and are carried at amortized cost less manufacturer incentives. Depreciation expense is recorded on a straight-line basis over the term of the lease agreement. Leased vehicles are depreciated to the estimated residual value at the end of the lease term. Under the accounting for impairment or disposal of long-lived assets, residual values of operating leases are evaluated individually for impairment when indicators of impairment exist. When indicators of impairment exist and aggregate future cash flows from the operating lease, including the expected realizable fair value of the leased asset at the end of the lease, are less than the book value of the lease, an immediate impairment write-down is recognized if the difference is deemed not recoverable. Otherwise, reductions in the expected residual value result in additional depreciation of the leased asset over the remaining term of the lease. Upon disposition, a gain or loss is recorded for any difference between the net book value of the lease and the proceeds from the disposition of the asset, including any insurance proceeds.
Goodwill	Goodwill The excess of the purchase price of the merger with GM over the fair value of the net assets acquired was recorded as goodwill, and was attributed to the North America reporting unit, which was our only reporting unit at that time. With the acquisition of the international operations, we added two additional reporting units: Latin America and Europe. The excess of the purchase price of the acquisition of the international operations over the fair value of the net assets acquired was all attributed to the Latin America reporting unit. We performed our annual goodwill impairment testing as of October 1, 2015 for each reporting unit. No impairment charges were recognized to either the North America or the Latin America reporting unit in the years ended December 31, 2015, 2014 or 2013. If an indication of impairment exists and the fair value of any reporting unit is less than the carrying amount reflected in the balance sheet, then the amount of goodwill attributed to a reporting unit may be impaired, and we perform a second step of the impairment test. In the second step, we compare the goodwill amount reflected in the balance sheet to the implied fair value of the reporting unit's goodwill, determined by allocating the reporting unit's fair value to all of its assets and liabilities in a manner similar to a purchase price allocation. We determined the fair value of each reporting unit with consideration to valuations under the market approach and the income approach. The income approach evaluates the cash flow of the reporting unit over a specified time, discounted at an appropriate market rate to arrive at an indication of the most probable selling price. Factors contributing to the determination of the reporting unit's operating performance were historical performance and management's estimates of future performance. The following table reflects certain key estimates and assumptions used in our 2015 impairment testing of the North America reporting unit, which represents 93% of our goodwill balance: Market approach assumptions Trailing-twelve months' earnings multiple 11.1x Forward earnings multiple 12.7x Weighting applied 25% Income approach assumptions Cost of equity 11.2% Targeted equity-to-earning assets ratio 8.6% declining to 7.5% Weighting applied 75% The results of the first step of the impairment test indicated that the fair value exceeded the carrying value; therefore, it was not necessary to perform the second step analysis. If actual market conditions are less favorable than those we and the industry have projected, or if events occur or circumstances change that would reduce the fair value of our goodwill below the amount reflected in the balance sheet, we may be required to conduct an interim test and possibly recognize impairment charges, which could be material, in future periods.
Derivative Financial Instruments	Derivative Financial Instruments We recognize all of our derivative financial instruments as either assets or liabilities on our consolidated balance sheets at fair value. The accounting for changes in the fair value of each derivative financial instrument depends on whether it has been designated and qualifies as an accounting hedge, as well as the type of hedging relationship identified. Our special purpose finance subsidiaries are often contractually required to purchase derivative instruments, which could include interest rate swap agreements and/or interest rate cap agreements which are explained below, as credit enhancement in connection with securitization transactions and credit facilities. We do not use derivative instruments for trading or speculative purposes. Interest Rate Swap Agreements. We utilize interest rate swap agreements to convert floating rate exposures on securities issued in securitization transactions to fixed rates, thereby hedging the variability in interest expense paid. Cash flows from derivatives used to manage interest rate risk are classified as operating activities. At December 31, 2015 , none of our pay-fixed, receive-floating interest rate swap agreements were designated as accounting hedges. We designate certain receive-fixed, pay-floating interest rate swaps as fair value hedges of fixed-rate debt. The risk being hedged is the risk of changes in the fair value of the hedged debt attributable to changes in the benchmark interest rate. If the hedge relationship is deemed to be highly effective, we record the changes in the fair value of the hedged debt related to the risk being hedged in interest expense. The change in fair value of the related derivative (excluding accrued interest) is also recorded in interest expense. Interest Rate Cap Agreements. We often purchase interest rate cap agreements to limit floating rate exposures in our credit facilities. As part of our interest rate risk management strategy and when economically feasible, we may simultaneously sell a corresponding interest rate cap agreement in order to offset the premium paid to purchase the interest rate cap agreement and thus retain the interest rate risk. Because the interest rate cap agreements entered into by us or our special purpose finance subsidiaries do not qualify for hedge accounting, changes in the fair value of interest rate cap agreements purchased by the special purpose finance subsidiaries and interest rate cap agreements sold by us are recorded in interest expense. Interest rate risk management contracts are generally expressed in notional principal or contract amounts that are much larger than the amounts potentially at risk for nonpayment by counterparties. Therefore, in the event of nonperformance by the counterparties, our credit exposure is limited to the uncollected interest and the market value related to the contracts that have become favorable to us. We manage the credit risk of such contracts by using highly rated counterparties, establishing risk limits and monitoring the credit ratings of the counterparties. We maintain a policy of requiring that all derivative contracts be governed by an International Swaps and Derivatives Association Master Agreement. We enter into arrangements with individual counterparties that we believe are creditworthy and generally settle on a net basis. In addition, we perform a quarterly assessment of our counterparty credit risk, including a review of credit ratings, credit default swap rates and potential nonperformance of the counterparty. Foreign Currency Swaps. Our policy is to minimize exposure to changes in currency exchange rates. To meet funding objectives, we borrow in a variety of currencies. We face exposure to currency exchange rates when the currency of our earning assets differs from the currency of the debt funding those assets. When possible, we fund earning assets with debt in the same currency, minimizing exposure to exchange rate movements. When a different currency is used, we may use foreign currency swaps to convert our debt obligations to the local currency of the earning assets.
Fair Value	Fair Value ASC 820, Fair Value Measurements , provides a framework for measuring fair value under U.S. GAAP. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. Fair value measurement requires that valuation techniques maximize the use of observable inputs and minimize the use of unobservable inputs and also establishes a fair value hierarchy which prioritizes the valuation inputs into three broad levels. There are three general valuation techniques that may be used to measure fair value, as described below: (i) Market approach – Uses prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. Prices may be indicated by pricing guides, sale transactions, market trades, or other sources; (ii) Cost approach – Based on the amount that currently would be required to replace the service capacity of an asset (replacement cost); and (iii) Income approach – Uses valuation techniques to convert future amounts to a single present amount based on current market expectations about the future amounts (includes present value techniques and option-pricing models). Net present value is an income approach that considers a stream of expected cash flows, discounted at an appropriate market interest rate. Financial instruments are considered Level 1 when quoted prices are available in active markets for identical assets or liabilities as of the reporting date. Active markets are those in which transactions for the asset or liability occur in sufficient frequency and volume to provide pricing information on an ongoing basis. Financial instruments are considered Level 2 when inputs other than quoted prices are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets and quoted prices for identical or similar assets or liabilities in markets that are not active. Financial instruments are considered Level 3 when their values are determined using price models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation.
Income Taxes	Income Taxes On our stand-alone financial statements, we account for income taxes on a separate return basis using an asset and liability method which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax basis, net operating loss and tax credit carryforwards. A valuation allowance is recognized if it is more likely than not that some portion or the entire deferred tax asset will not be realized. We record uncertain tax positions on the basis of a two-step process whereby: (1) we determine whether it is more likely than not that the tax positions will be sustained based on the technical merits of the position; and (2) for those tax positions that meet the more likely than not recognition, we recognize the largest amount of tax benefit that is greater than 50% likely to be realized upon ultimate settlement with the related tax authority. We record interest and penalties on uncertain tax positions in income tax expense (benefit).
Revenue Recognition	Revenue Recognition Finance charge income related to retail finance receivables is recognized using the effective interest method. Fees and commissions received and direct costs of originating loans are generally deferred and amortized over the term of the related finance receivables using the effective interest method and are removed from the consolidated balance sheets when the related finance receivables are sold, charged off or paid in full. Accrual of finance charge income is suspended on accounts that are more than 60 days delinquent, accounts in bankruptcy and accounts in repossession. Payments received on non-accrual loans are first applied to any fees due, then to any interest due and, finally, any remaining amounts received are recorded to principal. Interest accrual resumes once an account has received payments bringing the delinquency status to less than 60 days past due. Finance charge income related to commercial finance receivables is recognized using the accrual method. Accrual of finance charge income is generally suspended on accounts that are more than 90 days delinquent, upon receipt of a bankruptcy notice from a borrower, or where reasonable doubt about the full collectability of contractually agreed upon principal and interest exist. Payments received on non-accrual loans are first applied to principal. Interest accrual resumes once an account has received payments bringing the delinquency status fully current and collection of contractual principal and interest is reasonably expected (including amounts previously charged-off) or, for TDRs, when repayment is reasonably assured based on the modified terms of the loan. Operating lease rental income for leased vehicles is recognized on a straight-line basis over the lease term. Net deferred origination fees or costs are amortized on a straight-line basis over the term of the lease agreement.
Parent Company Stock-Based Compensation	Parent Company Stock-Based Compensation We measure and record compensation expense for parent company stock-based compensation awards based on the award's estimated fair value. We record compensation expense over the applicable vesting period of an award. Salary stock awards granted are fully vested and nonforfeitable upon grant; therefore, compensation cost is recorded on the date of grant. See Note 12 - "Parent Company Stock-Based Compensation" for further information.
Segment Information	Segment Information We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: North America ("the North America Segment") and international ("the International Segment"). The North America Segment includes our operations in the U.S. and Canada. The International Segment includes our operations in all other countries. For additional financial information regarding our business segments, see Note 17 - "Segment Reporting and Geographic Information."
Related Party Transactions	Related Party Transactions We offer loan and lease finance products through GM-franchised dealers to customers purchasing new and certain used vehicles manufactured by GM and make commercial loans directly to GM-franchised dealers and their affiliates. Under subvention programs, GM makes cash payments to us for offering incentivized rates and structures on retail loan and lease finance products. In addition, GM makes payments to us to cover certain interest payments on commercial loans. For the years ended December 31, 2015, 2014 and 2013, we received $3.6 billion , $1.2 billion and $451 million in subvention payments from GM, primarily related to lease originations. Amortization of lease subvention was $1.0 billion , $311 million and $159 million for the years ended December 31, 2015, 2014 and 2013. In our International Segment, we provide limited funding to GM for new and used vehicles awaiting delivery to dealers. At December 31, 2015 and 2014 , we had intercompany receivables from GM in the amount of $573 million and $384 million under these programs. At December 31, 2015 and 2014 , we had $229 million and $176 million in commercial loans outstanding to dealers that are consolidated by GM. Prior to January 1, 2015 we provided financing to certain GM subsidiaries through factoring and other wholesale financing arrangements. At December 31, 2014, $289 million was outstanding under such arrangements, and is included in commercial finance receivables. No amounts were outstanding under these arrangements at December 31, 2015. At December 31, 2015 and 2014 , we had $362 million and $433 million of related party payables due to GM, primarily for commercial finance receivables originated but not yet funded. These payables typically settle within 30 days . As discussed in Note 14 - "Income Taxes" we have a tax sharing agreement with GM for our U.S. operations. Under our tax sharing arrangement with GM, payments related to our U.S. operations for the tax years 2010 through 2014 were deferred for four years from their original due date. During 2014, accrued tax payments of $296 million , related to the 2010 and 2011 tax years, were converted to and treated as capital contributions. As of December 31, 2014, we had related party taxes payable to GM in the amount of $636 million . During 2015, the outstanding balance of $649 million , including an adjustment recorded in 2015 for finalizing the 2014 tax return, was converted to and treated as a capital contribution. On January 2, 2015, we completed the acquisition of Ally Financial's 40% equity interest in SAIC-GMAC. The aggregate purchase price was $1.0 billion . Also on January 2, 2015, we sold a 5% equity interest in SAIC-GMAC to Shanghai Automotive Group Finance Company Ltd. (“SAIC FC”), a current shareholder of SAIC-GMAC, for proceeds of $125 million . As a result of these transactions, we own a 35% equity interest in SAIC-GMAC. GM indirectly owns an additional 10% equity interest in SAIC-GMAC. GM contributed $700 million to our equity in December 2014 to facilitate this acquisition. In September 2014, we and GM entered into a Support Agreement (the “Support Agreement”). Pursuant to the Support Agreement, if our earning assets leverage at the end of any calendar quarter is higher than thresholds set in the Support Agreement, we may require GM to provide funding sufficient to bring our earning assets leverage to within the appropriate threshold. In determining our earning assets leverage (net earning assets divided by adjusted equity) under the Support Agreement, net earning assets means our finance receivables, net, plus leased vehicles, net, and adjusted equity means our equity, net of goodwill and inclusive of outstanding junior subordinated debt, as each may be adjusted for derivative accounting from time to time. At December 31, 2015 , our earning assets leverage ratio was 8.3 , which was below the applicable ratio of 9.5 . Additionally, the Support Agreement provides that GM will own all of our outstanding voting shares as long as we have any unsecured debt securities outstanding and that GM will use its commercially reasonable efforts to ensure that we will continue to be designated as a subsidiary borrower of up to $4.0 billion under GM’s corporate revolving credit facilities. GM also agreed to certain provisions intended to ensure that we maintain adequate access to liquidity. Pursuant to these provisions, GM provided us with the $1.0 billion GM Junior Subordinated Revolving Credit Facility. There were no advances outstanding under the GM Junior Subordinated Revolving Credit Facility at December 31, 2015 . Recently A
Recent Accounting Pronouncements	Recently Adopted Accounting Standards In 2015 we adopted ASU 2015-02, “Amendments to the Consolidation Analysis” (ASU 2015-02), which is effective for annual reporting periods beginning on or after December 15, 2015, with early adoption permitted. ASU 2015-02 requires us to reassess whether certain entities should be consolidated. The adoption of ASU 2015-02 did not have a material impact on our consolidated financial statements. In 2015 we adopted ASU 2015-03, “Simplifying the Presentation of Debt Issuance Costs” (ASU 2015-03), which is effective for annual reporting periods beginning on or after December 15, 2015, with early adoption permitted. ASU 2015-03 requires debt issuance costs associated with non-revolving debt to be presented as a reduction to the debt principal balance, with retrospective application. As a result of our adoption, we reclassified $116 million from other assets to debt for 2014, of which $41 million was reclassified to secured debt and $75 million was reclassified to unsecured debt. Accounting Standards Not Yet Adopted In May 2014 the FASB issued ASU 2014-09, “Revenue from Contracts with Customers” (ASU 2014-09), which requires companies to recognize revenue when a customer obtains control rather than when companies have transferred substantially all risks and rewards of a good or service and requires expanded disclosures. ASU 2014-09 is effective for annual reporting periods beginning on or after December 15, 2017 with early adoption permitted for reporting periods beginning on or after December 15, 2016. We continue to assess the overall impact the adoption of ASU 2014-09 will have on our consolidated financial statements.

Summary of Significant Accoun29

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Schedule of Goodwill Impairment Test	The following table reflects certain key estimates and assumptions used in our 2015 impairment testing of the North America reporting unit, which represents 93% of our goodwill balance: Market approach assumptions Trailing-twelve months' earnings multiple 11.1x Forward earnings multiple 12.7x Weighting applied 25% Income approach assumptions Cost of equity 11.2% Targeted equity-to-earning assets ratio 8.6% declining to 7.5% Weighting applied 75%

Finance Receivables (Tables)

Finance Receivables (Tables)	12 Months Ended
	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]
Finance Receivables Portfolio	The finance receivables portfolio consists of the following (in millions): December 31, 2015 December 31, 2014 North America International Total North America International Total Retail Retail finance receivables, collectively evaluated for impairment, net of fees (a) $ 16,536 $ 10,976 $ 27,512 $ 12,127 $ 12,262 $ 24,389 Retail finance receivables, individually evaluated for impairment, net of fees 1,612 — 1,612 1,234 — 1,234 Total retail finance receivables (b) 18,148 10,976 29,124 13,361 12,262 25,623 Less: allowance for loan losses - collective (398 ) (117 ) (515 ) (405 ) (78 ) (483 ) Less: allowance for loan losses - specific (220 ) (220 ) (172 ) — (172 ) Total retail finance receivables, net 17,530 10,859 28,389 12,784 12,184 24,968 Commercial Commercial finance receivables, collectively evaluated for impairment, net of fees 4,043 4,314 8,357 3,180 4,803 7,983 Commercial finance receivables, individually evaluated for impairment, net of fees 8 74 82 — 89 89 Total commercial finance receivables 4,051 4,388 8,439 3,180 4,892 8,072 Less: allowance for loan losses - collective (23 ) (15 ) (38 ) (21 ) (14 ) (35 ) Less: allowance for loan losses - specific — (9 ) (9 ) — (5 ) (5 ) Total commercial finance receivables, net 4,028 4,364 8,392 3,159 4,873 8,032 Total finance receivables, net $ 21,558 $ 15,223 $ 36,781 $ 15,943 $ 17,057 $ 33,000 ________________ (a) Amounts reported in the International Segment include $1.1 billion and $1.0 billion of direct-financing leases at December 31, 2015 and 2014 . (b) Net of unamortized premiums and discounts, and deferred fees and costs of $179 million and $245 million at December 31, 2015 and 2014 .
Summary of Finance Receivables	Following is a summary of activity in our retail finance receivables portfolio (in millions): Years ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130 $ 10,789 $ — $ 10,789 Acquisition — — — — — — — 10,310 10,310 Purchases 10,931 6,606 17,537 6,808 8,277 15,085 5,126 4,471 9,597 Principal collections and other (5,272 ) (5,696 ) (10,968 ) (4,054 ) (6,180 ) (10,234 ) (3,943 ) (3,086 ) (7,029 ) Charge-offs (859 ) (137 ) (996 ) (776 ) (138 ) (914 ) (584 ) (54 ) (638 ) Foreign currency translation (13 ) (2,059 ) (2,072 ) (5 ) (1,439 ) (1,444 ) — 101 101 Ending balance $ 18,148 $ 10,976 $ 29,124 $ 13,361 $ 12,262 $ 25,623 $ 11,388 $ 11,742 $ 23,130
Allowance for Credit Losses on Financing Receivables	A summary of the activity in the allowance for retail loan losses is as follows (in millions): Years ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 577 $ 78 $ 655 $ 468 $ 29 $ 497 $ 345 $ — $ 345 Provision for loan losses 461 151 612 468 145 613 380 52 432 Charge-offs (859 ) (137 ) (996 ) (776 ) (138 ) (914 ) (584 ) (54 ) (638 ) Recoveries 439 47 486 417 53 470 327 29 356 Foreign currency translation — (22 ) (22 ) — (11 ) (11 ) — 2 2 Ending balance $ 618 $ 117 $ 735 $ 577 $ 78 $ 655 $ 468 $ 29 $ 497
Financing Receivable Credit Quality Indicators	A summary of the credit risk profile by FICO score band or equivalent scores, determined at origination, of the retail finance receivables in the North America Segment is as follows (dollars in millions): December 31, 2015 December 31, 2014 Amount Percent Amount Percent Prime - FICO Score 680 and greater $ 4,418 24.4 % $ 596 4.4 % Near-prime - FICO Score 620 to 679 2,890 15.9 % 1,691 12.7 % Sub-prime - FICO Score less than 620 10,840 59.7 % 11,074 82.9 % Balance at end of period $ 18,148 100.0 % $ 13,361 100.0 %
Past Due Financing Receivables	The following is a summary of the contractual amounts of retail finance receivables, which is not significantly different than recorded investment, that are (i) more than 30 days delinquent, but not yet in repossession, and (ii) in repossession, but not yet charged off (dollars in millions): December 31, 2015 December 31, 2014 North America International Total Percent of Contractual Amount Due North America International Total Percent of Contractual Amount Due 31 - 60 days $ 1,150 $ 87 $ 1,237 4.2 % $ 994 $ 89 $ 1,083 4.2 % Greater than 60 days 389 92 481 1.6 328 104 432 1.7 1,539 179 1,718 5.8 1,322 193 1,515 5.9 In repossession 42 4 46 0.2 36 4 40 0.2 $ 1,581 $ 183 $ 1,764 6.0 % $ 1,358 $ 197 $ 1,555 6.1 %
Troubled Debt Restructurings on Financing Receivables	The outstanding recorded investment for retail finance receivables that are considered to be TDRs and the related allowance is presented below (in millions): December 31, 2015 December 31, 2014 Outstanding recorded investment $ 1,612 $ 1,234 Less: allowance for loan losses (220 ) (172 ) Outstanding recorded investment, net of allowance $ 1,392 $ 1,062 Unpaid principal balance $ 1,642 $ 1,255 Additional information about loans classified as TDRs is presented below (in millions, except for number of loans): Years Ended December 31, 2015 2014 2013 Average outstanding recorded investment $ 1,455 $ 996 $ 487 Finance income recognized $ 164 $ 123 $ 70 Number of loans classified as TDRs during the period 58,012 49,490 38,196 Recorded investment of loans classified as TDRs during the period $ 982 $ 794 $ 643
Activity in Commercial Finance Receivables Portfolio	Following is a summary of activity in our commercial finance receivables portfolio (in millions): Years ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700 $ 560 $ — $ 560 Acquisition — — — — — — — 4,834 4,834 Net funding (collections) 933 51 984 1,228 661 1,889 1,424 (246 ) 1,178 Charge-offs (2 ) (1 ) (3 ) — — — (2 ) (3 ) (5 ) Foreign currency translation (60 ) (554 ) (614 ) (23 ) (494 ) (517 ) (7 ) 140 133 Ending balance $ 4,051 $ 4,388 $ 8,439 $ 3,180 $ 4,892 $ 8,072 $ 1,975 $ 4,725 $ 6,700
Credit Risk Profile of Commercial Financing Receivables	A summary of the credit risk profile by dealer grouping of the commercial finance receivables is as follows (in millions): December 31, 2015 December 31, 2014 Group I - Dealers with superior financial metrics $ 1,299 $ 1,062 Group II - Dealers with strong financial metrics 2,648 2,090 Group III - Dealers with fair financial metrics 2,703 2,856 Group IV - Dealers with weak financial metrics 1,100 1,250 Group V - Dealers warranting special mention due to potential weaknesses 505 559 Group VI - Dealers with loans classified as substandard, doubtful or impaired 184 255 Balance at end of period $ 8,439 $ 8,072

Leased Vehicles (Tables)

Leased Vehicles (Tables)	12 Months Ended
	Dec. 31, 2015
Property Subject to or Available for Operating Lease, Net [Abstract]
Summary of Leased Vehicles	Our operating lease program is offered primarily in the North America Segment. The following information regarding our leased vehicles is presented on a consolidated basis (in millions): December 31, 2015 December 31, 2014 Leased vehicles $ 27,587 $ 9,747 Manufacturer incentives (4,582 ) (1,479 ) 23,005 8,268 Less: accumulated depreciation (2,833 ) (1,208 ) Leased vehicles, net $ 20,172 $ 7,060
Summary of Changes in Leased Vehicles	A summary of the changes in our leased vehicles is as follows (in millions): Years Ended December 31, 2015 2014 2013 Balance at beginning of period $ 8,268 $ 4,025 $ 1,976 International operations acquisition — — 5 Leased vehicles purchased 20,199 6,169 2,830 Leased vehicles returned - end of term (1,785 ) (878 ) (343 ) Leased vehicles returned - default (120 ) (58 ) (28 ) Manufacturer incentives (3,169 ) (844 ) (360 ) Foreign currency translation (388 ) (146 ) (55 ) Balance at end of period $ 23,005 $ 8,268 $ 4,025
Schedule of Future Minimum Rental Payments Due	The following table summarizes minimum rental payments due to us as lessor under operating leases (in millions): Years Ended December 31, 2016 2017 2018 2019 2020 Total Minimum rental payments under operating leases $ 3,359 $ 2,830 $ 1,494 $ 169 $ 4 $ 7,856

Restricted Cash (Tables)

Restricted Cash (Tables)	12 Months Ended
	Dec. 31, 2015
Cash and Cash Equivalents [Abstract]
Schedule of Components of Restricted Cash	The following table summarizes the components of restricted cash (in millions): December 31, 2015 December 31, 2014 Revolving credit facilities $ 345 $ 326 Securitization notes payable 1,531 1,395 Other 65 350 Total restricted cash $ 1,941 $ 2,071

Goodwill (Tables)

Goodwill (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following table summarizes the changes in the carrying amounts of goodwill by segment (in millions): Years Ended December 31, 2015 2014 2013 North America International Total North America International Total North America International Total Beginning balance $ 1,106 $ 138 $ 1,244 $ 1,108 $ 132 $ 1,240 $ 1,108 $ — $ 1,108 Acquisition — — — — 6 6 — 132 132 Foreign currency translation (1 ) (54 ) (55 ) (2 ) — (2 ) — — — Ending balance $ 1,105 $ 84 $ 1,189 $ 1,106 $ 138 $ 1,244 $ 1,108 $ 132 $ 1,240

Equity in Net Assets of Non-c34

Equity in Net Assets of Non-consolidated Affiliates (Tables)	12 Months Ended
	Dec. 31, 2015
Equity Method Investments and Joint Ventures [Abstract]
Summarized Financial Information for SAIC-GMAC	The following tables present summarized financial data of SAIC-GMAC (a) (in millions): Summarized Balance Sheet Data December 31, 2015 Finance receivables, net $ 9,617 Total assets $ 9,802 Debt $ 5,789 Total liabilities $ 7,973 Summarized Operating Data Year Ended December 31, 2015 Finance charge income $ 971 Provision for loan losses $ 45 Interest expense $ 338 Income before income taxes $ 463 Net income $ 347 _________________ (a) This data represents that of the entire entity and not our 35% proportionate share.

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Schedule of Debt	Debt consists of the following (in millions): December 31, 2015 December 31, 2014 North America International Total North America International Total Secured debt Revolving credit facilities $ 3,246 $ 4,302 $ 7,548 $ 1,701 $ 5,327 $ 7,028 Securitization notes payable 19,905 3,236 23,141 13,721 4,424 18,145 Total secured debt $ 23,151 $ 7,538 $ 30,689 $ 15,422 $ 9,751 $ 25,173 Unsecured debt Senior notes $ 17,731 $ 1,242 $ 18,973 $ 7,777 $ 598 $ 8,375 Credit facilities — 2,759 2,759 — 2,974 2,974 Retail customer deposits — 1,260 1,260 — — — Other unsecured debt — 665 665 — 793 793 Total unsecured debt $ 17,731 $ 5,926 $ 23,657 $ 7,777 $ 4,365 $ 12,142
Schedule of Deposit Liabilities	During 2015, we began accepting deposits from retail banking customers in Germany. Following is summarized information for our deposits at December 31, 2015 (dollars in millions): Outstanding Balance Weighted Average Interest Rate Overnight deposits $ 555 1.00 % Term deposits -12 months 337 1.32 % Term deposits - 24 months 123 1.44 % Term deposits - 36 months 245 1.65 % Total deposits $ 1,260 1.25 %
Schedule of Maturities of Long-term Debt	The following table presents the expected scheduled principal and interest payments under our contractual debt obligations (in millions): Years Ending December 31, 2016 2017 2018 2019 2020 Thereafter Total Secured debt $ 14,450 $ 9,168 $ 5,688 $ 1,120 $ 317 $ — $ 30,743 Unsecured debt 4,343 3,654 3,459 3,165 4,110 5,050 23,781 Interest 1,275 1,008 588 397 267 483 4,018 $ 20,068 $ 13,830 $ 9,735 $ 4,682 $ 4,694 $ 5,533 $ 58,542

Variable Interest Entities (Tab

Variable Interest Entities (Tables)	12 Months Ended
	Dec. 31, 2015
Securitization and Credit Facility VIE [Member]
Variable Interest Entity [Line Items]
Summary of Consolidated VIEs Assets and Liabilities	The following table summarizes the assets and liabilities related to our consolidated VIEs (in millions): December 31, 2015 2014 Restricted cash $ 1,876 $ 1,721 Finance receivables, net $ 24,942 $ 23,109 Lease related assets $ 11,684 $ 4,595 Secured debt $ 29,386 $ 22,794
Other VIE [Member]
Variable Interest Entity [Line Items]
Summary of Consolidated VIEs Assets and Liabilities	The following table summarizes the assets and liabilities of these entities (in millions): December 31, 2015 December 31, 2014 Assets (a) $ 3,652 $ 3,696 Liabilities (b) $ 2,941 $ 3,184 _________________ (a) Comprised primarily of finance receivables of $3.2 billion and $3.6 billion at December 31, 2015 and 2014 . (b) Comprised primarily of debt of $2.6 billion and $2.5 billion at December 31, 2015 and 2014 . The following table summarizes the revenue and net income of these entities (in millions): Year Ended December 31, 2015 2014 Total revenue $ 191 $ 192 Net income $ 29 $ 28

Derivative Financial Instrume37

Derivative Financial Instruments and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Swap and Cap Agreement	Derivative financial instruments consist of the following (in millions): December 31, 2015 December 31, 2014 Notional Fair Value Notional Fair Value Fair value hedges Liabilities Interest rate swaps (a)(d) $ 1,000 $ 6 $ — $ — Derivatives not designated as hedges Assets Interest rate swaps (b) 4,122 8 1,652 6 Interest rate caps (a) 6,327 19 2,123 6 Foreign currency swaps (a) 1,460 48 1,594 4 Total assets (c) $ 11,909 $ 75 $ 5,369 $ 16 Liabilities Interest rate swaps (b) $ 8,041 $ 24 $ 5,627 $ 39 Interest rate caps (a) 5,892 19 1,804 6 Foreign currency swaps (a) — — 1,044 1 Total liabilities (d) $ 13,933 $ 43 $ 8,475 $ 46 _________________ (a) The fair value is based on observable market inputs, and are classified as level 2. (b) The fair value is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates, and classified as level 3. (c) Included in other assets on the consolidated balance sheets. (d) Included in other liabilities on the consolidated balance sheets.
Effect of Derivative Instruments on Consolidated Statements of Income and Comprehensive Income	The following table presents information on the effect of derivative instruments on the consolidated statements of income and comprehensive income (in millions): Income (Losses) Recognized In Income Years Ended December 31, 2015 2014 2013 Fair value hedges Interest rate contracts Net interest accruals $ 1 $ — $ — Ineffectiveness (a) — — — Derivatives not designated as hedges Interest rate contracts (b) (15 ) (51 ) (1 ) Foreign currency derivatives (c) 42 163 (118 ) $ 27 $ 112 $ (119 ) (a) Hedge ineffectiveness reflects the net change in the fair value of interest rate contracts of $6.0 million offset by the change in fair value of hedged debt attributable to the hedged risk of $5.6 million . (b) Recognized in earnings as interest expense. (c) Activity is substantially offset by translation activity (included in operating expenses) related to foreign currency-denominated loans.

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Schedule of Lease Expense	A summary of lease expense is as follows (in millions): Years Ended December 31, 2015 2014 2013 Lease expense $ 28 $ 28 $ 21
Schedule of Future Minimum Rental Payments for Operating Leases	Operating lease commitments are as follows (in millions): Years Ending December 31, 2016 2017 2018 2019 2020 Thereafter Total Operating lease commitments $ 19 $ 19 $ 16 $ 14 $ 11 $ 38 $ 117

Parent Company Stock-Based Co39

Parent Company Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Awards Granted	The following table summarizes the awards granted (units in thousands): Year Ended December 31, 2015 2014 2013 RSUs 317 431 700 PSUs 366 326 — Stock options 786 — —
Schedule of Nonvested Restricted Stock Units Activity	The following table summarizes information about RSU, PSUs and stock options granted to our employees and key executive officers under GM's stock-based compensation programs (units in thousands): Year Ended December 31, 2015 Shares Weighted-Average Grant Date Fair Value Weighted-Average Remaining Contractual Term (years) Units outstanding at January 1, 2015 1,409 $ 32.75 1.5 Granted 1,469 $ 34.27 Forfeited or expired (17 ) $ 36.04 Settled (559 ) $ 28.99 Units outstanding at December 31, 2015 2,302 $ 34.61 1.3 Units unvested and expected to vest at December 31, 2015 1,464 $ 35.40 1.4 Units vested and payable at December 31, 2015 778 $ 33.05 Units granted in the year ended December 31, 2014 $ 35.96 Units granted in the year ended December 31, 2013 $ 33.58
Schedule of Compensation Expense	The following table summarizes compensation expense recorded for stock-based incentive plans (in millions): Years Ended December 31, 2015 2014 2013 Compensation expense $ 36 $ 19 $ 21 Income tax benefit 13 8 8 Compensation expense, net of tax $ 23 $ 11 $ 13

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Summary of Income (Loss) Before Income Taxes	The following table summarizes income before income taxes and equity income (in millions): Years Ended December 31, 2015 2014 2013 U.S. income $ 362 $ 481 $ 637 Non-U.S. income 359 334 246 Income before income taxes and equity income $ 721 $ 815 $ 883
Summary of Income Tax Expense (Benefit)	The following table summarizes income tax expense (in millions): Years Ended December 31, 2015 2014 2013 Current income tax expense U.S. federal $ 13 $ 284 $ 67 U.S. state and local (5 ) 14 5 Non-U.S. 51 63 66 Total current 59 361 138 Deferred income tax expense U.S. federal 95 (87 ) 176 U.S. state and local 6 (5 ) 7 Non-U.S. 31 9 (4 ) Total deferred 132 (83 ) 179 Total income tax provision $ 191 $ 278 $ 317
Effective Income Tax Rate Reconciliation	The following table summarizes a reconciliation of income tax expense (benefit) compared with the amounts at the U.S. federal statutory income tax rate: Years Ended December 31, 2015 2014 2013 U.S. statutory tax rate 35.0 % 35.0 % 35.0 % Non-U.S. income taxed at other than 35% (3.2 ) (2.2 ) (1.7 ) State and local income taxes 0.9 1.2 1.1 U.S. tax on non-U.S. earnings (3.2 ) 7.2 (1.7 ) Valuation allowance 7.1 (4.9 ) 3.4 Tax credits and incentives (6.6 ) (0.8 ) — Other (3.5 ) (1.5 ) (0.2 ) Effective tax rate 26.5 % 34.0 % 35.9 %
Schedule of Deferred Tax Assets and Liabilities	The following table summarizes the components of temporary differences and carryforwards that give rise to deferred tax assets and liabilities (in millions): December 31, 2015 December 31, 2014 Deferred tax assets: Net operating loss carryforward - U.S. (a) $ 409 $ 6 Net operating loss carryforward - Non-U.S. (b) 189 199 Market value difference of loan portfolio 166 349 Accruals 107 157 Tax Credits (c) 131 2 Other 113 147 Total deferred tax assets before valuation allowance 1,115 860 Less: valuation allowance (104 ) (57 ) Total deferred tax assets 1,011 803 Deferred tax liabilities: Depreciable assets 645 300 Intangible assets 34 35 Accrued commissions 27 41 Deferred acquisition costs/revenue 116 50 Tax on unremitted earnings of non-U.S. entities 47 — Other 40 56 Total deferred tax liabilities 909 482 Net deferred tax asset $ 102 $ 321 _________________ (a) Includes tax-effected operating losses of $409 million expiring through 2036 at December 31, 2015 . (b) Includes tax-effected operating losses of $84 million expiring through 2032 and $105 million that may be carried forward indefinitely at December 31, 2015. (c) Includes tax credits of $131 million expiring through 2036 at December 31, 2015.
Summary of Unrecognized Tax Benefits Activity	The following table summarizes activity of unrecognized tax benefits (in millions): Years Ended December 31, 2015 2014 2013 Beginning balance $ 95 $ 130 $ 53 International operations acquired amounts — — 71 Additions to prior years' tax positions — 1 — Reductions to prior years' tax positions (7 ) (12 ) (1 ) Additions to current year tax positions 1 7 12 Reductions in tax positions due to lapse of statutory limitations (16 ) (6 ) (3 ) Settlements (2 ) (20 ) (1 ) Foreign currency translation (10 ) (5 ) (1 ) Ending balance $ 61 $ 95 $ 130

Supplemental Cash Flow Inform41

Supplemental Cash Flow Information (Tables)	12 Months Ended
	Dec. 31, 2015
Supplemental Cash Flow Elements [Abstract]
Cash Payments for Interest Costs and Income Taxes	Cash payments for interest costs and income taxes consist of the following (in millions): Years Ended December 31, 2015 2014 2013 Interest costs (none capitalized) $ 1,295 $ 1,120 $ 760 Income taxes $ 84 $ 127 $ 39
Noncash Activity	Non-cash investing items consist of the following (in millions): Years Ended December 31, 2015 2014 2013 Subvention receivable from GM $ 383 $ 189 $ 82 Commercial loan funding payable to GM $ 351 $ 427 $ 362

Fair Value of Financial Instr42

Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Of Financial Instruments [Abstract]
Fair Value, by Balance Sheet Grouping	Estimated fair values, carrying values and various methods and assumptions used in valuing our financial instruments are set forth below (in millions): December 31, 2015 December 31, 2014 Level Carrying Value Estimated Fair Value Carrying Value Estimated Fair Value Financial assets Cash and cash equivalents (a) 1 $ 3,061 $ 3,061 $ 2,974 $ 2,974 Retail finance receivables, net 3 $ 28,390 $ 28,545 $ 24,968 $ 25,541 Commercial finance receivables, net (b) 2 $ 8,392 $ 8,392 $ 8,032 $ 8,032 Restricted cash (a) 1 $ 1,941 $ 1,941 $ 2,071 $ 2,071 Financial liabilities Secured debt North America (c) 2 $ 23,151 $ 23,182 $ 15,454 $ 15,497 International (d) 2 $ 3,122 $ 3,125 $ 5,690 $ 5,694 International (e) 3 $ 4,416 $ 4,364 $ 4,070 $ 4,037 Unsecured debt North America (f) 2 $ 17,731 $ 17,792 $ 7,846 $ 8,092 International (g) 2 $ 4,605 $ 4,617 $ 3,496 $ 3,507 International (e) 3 $ 1,321 $ 1,317 $ 875 $ 880 _________________ (a) Cash and cash equivalents bear interest at market rates; therefore, carrying value is considered to be a reasonable estimate of fair value. (b) The fair value commercial finance receivables is assumed to be carrying value, as the receivables generally have variable interest rates and maturities of one year or less. (c) Secured debt in the North America Segment is comprised of revolving credit facilities, publicly-issued secured debt, and privately-issued secured debt, and is valued using level 2 inputs. For the revolving credit facilities with variable rates of interest and terms of one year or less, carrying value is considered to be a reasonable estimate of fair value. The fair value of the publicly-issued secured debt is based on quoted market prices of identical instruments in thinly-traded markets, when available. If quoted market prices are not available, and for determining the fair value of privately-issued secured debt, the market value is estimated using quoted market prices of similar securities. (d) The fair value is assumed to be par value, as the debt has terms of one year or less, or has been priced within the last six months. (e) The fair value is estimated by discounting future net cash flows expected to be settled using current risk-adjusted rates. (f) The fair value is based on quoted market prices of identical instruments in thinly-traded markets. (g) The fair value of senior notes is based on quoted market prices of identical instruments in thinly-traded markets. The fair value of other unsecured debt is assumed to be par value, as the debt has terms of one year or less.

Segment Reporting and Geograp43

Segment Reporting and Geographic Information (Tables)	12 Months Ended
	Dec. 31, 2015
Segment Reporting [Abstract]
Schedule of Segment Reporting Information	Key operating data for our operating segments were as follows (in millions): Year Ended December 31, 2015 North America International Corporate Eliminations Total Total revenue $ 4,777 $ 1,677 $ 13 $ (13 ) $ 6,454 Operating expenses, including leased vehicle expenses 2,925 568 — — 3,493 Provision for loan losses 466 158 — — 624 Interest expense 833 722 74 (13 ) 1,616 Equity income — 116 — — 116 Income (loss) before income taxes $ 553 $ 345 $ (61 ) $ — $ 837 Year Ended December 31, 2014 North America International Corporate Eliminations Total Total revenue $ 2,909 $ 1,945 $ 56 $ (56 ) $ 4,854 Operating expenses, including leased vehicle expenses 1,385 624 — — 2,009 Provision for loan losses 472 132 — — 604 Interest expense 459 954 69 (56 ) 1,426 Income (loss) before income taxes $ 593 $ 235 $ (13 ) $ — $ 815 Year Ended December 31, 2013 North America International Corporate Eliminations Total Total revenue $ 2,376 $ 968 $ 43 $ (43 ) $ 3,344 Operating expenses, including leased vehicle expenses 893 330 — — 1,223 Provision for loan losses 393 82 — — 475 Interest expense 360 362 42 (43 ) 721 Acquisition and integration expenses — 42 — — 42 Income before income taxes $ 730 $ 152 $ 1 $ — $ 883 December 31, 2015 December 31, 2014 North America International Total North America International Total Finance receivables, net $ 21,558 $ 15,223 $ 36,781 $ 15,943 $ 17,057 $ 33,000 Leased vehicles, net $ 20,086 $ 86 $ 20,172 $ 7,029 $ 31 $ 7,060 Total assets $ 47,419 $ 18,485 $ 65,904 $ 27,586 $ 20,022 $ 47,608
Schedule of Operating Data by Geographical Areas	The following table summarizes information concerning principal geographic areas (in millions): At and For the Years Ended December 31, 2015 2014 2013 Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) Revenue Long-Lived Assets (a) U.S. $ 4,324 $ 18,501 $ 2,552 $ 5,477 $ 2,185 $ 2,472 Canada 453 1,731 357 1,635 204 965 Brazil 757 3 964 4 234 4 Other countries (b) 920 156 981 116 721 74 Total consolidated $ 6,454 $ 20,391 $ 4,854 $ 7,232 $ 3,344 $ 3,515 _________________ (a) Long-lived assets includes $20.2 billion , $7.1 billion and $3.4 billion of vehicles on operating leases at December 2015, 2014 and 2013.

Accumulated Other Comprehensi44

Accumulated Other Comprehensive (Loss) Income (Tables)	12 Months Ended
	Dec. 31, 2015
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Changes in Accumulated Other Comprehensive Income (Loss)	A summary of changes in accumulated other comprehensive (loss) income is as follows (in millions): Years Ended December 31, 2015 2014 2013 Defined benefit plans, net Balance at beginning of period $ (11 ) $ 3 $ — Unrealized (loss) gain on subsidiary pension, net of tax (2 ) (14 ) 3 Balance at end of period (13 ) (11 ) 3 Foreign currency translation adjustment Balance at beginning of period (422 ) 8 (3 ) Translation (loss) gain (669 ) (430 ) 11 Balance at end of period (1,091 ) (422 ) 8 Total accumulated other comprehensive (loss) income $ (1,104 ) $ (433 ) $ 11

Regulatory Capital and Other 45

Regulatory Capital and Other Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Capital and Other Regulatory Matters [Abstract]
Capital Requirements on Foreign Financial Institutions	The following table lists the most recently reported minimum statutory capital requirements and the actual statutory capital for our significant regulated international banks: Country Minimum Capital Requirement Actual Capital Germany 8.0 % 18.1 % Brazil 11.0 % 13.4 %

Quarterly Financial Data (una46

Quarterly Financial Data (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Data [Abstract]
Summary of Quarterly Financial Results	The following tables summarize supplementary quarterly financial information (in millions): First Quarter Second Quarter Third Quarter Fourth Quarter Year Ended December 31, 2015 Total revenue $ 1,354 $ 1,515 $ 1,707 $ 1,878 Income before income taxes $ 214 $ 225 $ 231 $ 167 Net income $ 150 $ 186 $ 179 $ 131 Year Ended December 31, 2014 Total revenue $ 1,097 $ 1,191 $ 1,261 $ 1,305 Income before income taxes $ 222 $ 265 $ 208 $ 120 Net income $ 145 $ 175 $ 158 $ 59

Guarantor Consolidating Finan47

Guarantor Consolidating Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2015
Guarantor Consolidating Financial Statements [abstract]
Condensed Balance Sheet	GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING BALANCE SHEET December 31, 2015 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,259 $ 802 $ — $ 3,061 Finance receivables, net — 4,808 31,973 — 36,781 Leased vehicles, net — — 20,172 — 20,172 Restricted cash — 60 1,881 — 1,941 Goodwill 1,095 — 94 — 1,189 Equity in net assets of non-consolidated affiliates — — 986 — 986 Property and equipment, net — 41 178 — 219 Deferred income taxes 212 — 179 (160 ) 231 Related party receivables — 27 546 — 573 Other assets 32 32 687 — 751 Due from affiliates 15,573 7,556 — (23,129 ) — Investment in affiliates 8,476 6,425 — (14,901 ) — Total assets $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 30,689 $ — $ 30,689 Unsecured debt 17,087 — 6,570 — 23,657 Accounts payable and accrued expenses 181 717 320 — 1,218 Deferred income — — 1,454 — 1,454 Deferred income taxes — 289 — (160 ) 129 Related party payable — — 362 — 362 Other liabilities 68 34 241 — 343 Due to affiliates — 15,495 7,634 (23,129 ) — Total liabilities 17,336 16,535 47,270 (23,289 ) 57,852 Shareholder's equity Common stock — — 698 (698 ) — Additional paid-in capital 6,484 79 6,490 (6,569 ) 6,484 Accumulated other comprehensive loss (1,104 ) (175 ) (1,095 ) 1,270 (1,104 ) Retained earnings 2,672 4,769 4,135 (8,904 ) 2,672 Total shareholder's equity 8,052 4,673 10,228 (14,901 ) 8,052 Total liabilities and shareholder's equity $ 25,388 $ 21,208 $ 57,498 $ (38,190 ) $ 65,904 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING BALANCE SHEET December 31, 2014 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Assets Cash and cash equivalents $ — $ 2,266 $ 708 $ — $ 2,974 Finance receivables, net — 2,401 30,599 — 33,000 Leased vehicles, net — — 7,060 — 7,060 Restricted cash — 17 2,054 — 2,071 Goodwill 1,095 — 149 — 1,244 Property and equipment, net — 23 149 — 172 Deferred income taxes 28 — 601 (288 ) 341 Related party receivables — 11 373 — 384 Other assets 29 18 315 — 362 Due from affiliates 6,787 1,965 400 (9,152 ) — Investment in affiliates 7,684 4,059 — (11,743 ) — Total assets $ 15,623 $ 10,760 $ 42,408 $ (21,183 ) $ 47,608 Liabilities and Shareholder's Equity Liabilities Secured debt $ — $ — $ 25,173 $ — $ 25,173 Unsecured debt 7,435 — 4,707 — 12,142 Accounts payable and accrued expenses 78 156 768 — 1,002 Deferred income — — 392 — 392 Deferred income taxes — 288 20 (288 ) 20 Related party taxes payable 636 — — — 636 Related party payable — — 433 — 433 Other liabilities 82 12 324 — 418 Due to affiliates — 6,129 3,023 (9,152 ) — Total liabilities 8,231 6,585 34,840 (9,440 ) 40,216 Shareholder's equity Common stock — — 690 (690 ) — Additional paid-in capital 5,799 79 4,064 (4,143 ) 5,799 Accumulated other comprehensive loss (433 ) (64 ) (410 ) 474 (433 ) Retained earnings 2,026 4,160 3,224 (7,384 ) 2,026 Total shareholder's equity 7,392 4,175 7,568 (11,743 ) 7,392 Total liabilities and shareholder's equity $ 15,623 $ 10,760 $ 42,408 $ (21,183 ) $ 47,608
Condensed Income Statement	GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2015 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 403 $ 2,978 $ — $ 3,381 Leased vehicle income — — 2,807 — 2,807 Other income 13 505 139 (391 ) 266 Total revenue 13 908 5,924 (391 ) 6,454 Costs and expenses Salaries and benefits — 332 394 — 726 Other operating expenses 64 105 649 (251 ) 567 Total operating expenses 64 437 1,043 (251 ) 1,293 Leased vehicle expenses — — 2,200 — 2,200 Provision for loan losses — 398 226 — 624 Interest expense 488 18 1,250 (140 ) 1,616 Total costs and expenses 552 853 4,719 (391 ) 5,733 Equity income 941 579 116 (1,520 ) 116 Income before income taxes 402 634 1,321 (1,520 ) 837 Income tax (benefit) provision (244 ) 25 410 — 191 Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Comprehensive (loss) income $ (25 ) $ 498 $ 225 $ (723 ) $ (25 ) GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2014 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 194 $ 3,281 $ — $ 3,475 Leased vehicle income — — 1,090 — 1,090 Other income 68 432 178 (389 ) 289 Total revenue 68 626 4,549 (389 ) 4,854 Costs and expenses Salaries and benefits — 249 365 — 614 Other operating expenses 159 (17 ) 657 (251 ) 548 Total operating expenses 159 232 1,022 (251 ) 1,162 Leased vehicle expenses — — 847 — 847 Provision for loan losses — 334 270 — 604 Interest expense 232 23 1,309 (138 ) 1,426 Total costs and expenses 391 589 3,448 (389 ) 4,039 Equity income 757 523 — (1,280 ) — Income before income taxes 434 560 1,101 (1,280 ) 815 Income tax (benefit) provision (103 ) 12 369 — 278 Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Comprehensive income $ 93 $ 491 $ 298 $ (789 ) $ 93 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF INCOME Year Ended December 31, 2013 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Revenue Finance charge income $ — $ 140 $ 2,423 $ — $ 2,563 Leased vehicle income — — 595 — 595 Other income 56 433 105 (408 ) 186 Total revenue 56 573 3,123 (408 ) 3,344 Costs and expenses Salaries and benefits — 216 232 — 448 Other operating expenses (100 ) 228 441 (247 ) 322 Total operating expenses (100 ) 444 673 (247 ) 770 Leased vehicle expenses — — 453 — 453 Provision for loan losses — 239 236 — 475 Interest expense 180 37 665 (161 ) 721 Acquisition and integration expenses — — 42 — 42 Total costs and expenses 80 720 2,069 (408 ) 2,461 Equity income 584 551 — (1,135 ) — Income before income taxes 560 404 1,054 (1,135 ) 883 Income tax (benefit) provision (6 ) (42 ) 365 — 317 Net income $ 566 $ 446 $ 689 $ (1,135 ) $ 566 Comprehensive income $ 580 $ 449 $ 700 $ (1,149 ) $ 580
Condensed Cash Flow Statement	GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2015 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 646 $ 609 $ 911 $ (1,520 ) $ 646 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 28 3 2,372 — 2,403 Accretion and amortization of loan and leasing fees — 25 (634 ) — (609 ) Amortization of carrying value adjustment — (14 ) (135 ) — (149 ) Equity in income of affiliates (941 ) (579 ) (116 ) 1,520 (116 ) Provision for loan losses — 398 226 — 624 Deferred income taxes (189 ) 2 319 — 132 Stock-based compensation expense 33 — 3 — 36 Other 32 (5 ) (64 ) — (37 ) Changes in assets and liabilities: Other assets (3 ) 25 (126 ) — (104 ) Accounts payable and accrued expenses 100 531 (349 ) — 282 Taxes payable (12 ) 1 (9 ) — (20 ) Related party taxes payable (636 ) — — — (636 ) Related party payables 1 — (14 ) — (13 ) Net cash (used in) provided by operating activities (941 ) 996 2,384 — 2,439 Cash flows from investing activities Purchases of retail finance receivables, net — (13,997 ) (16,981 ) 13,461 (17,517 ) Principal collections and recoveries on retail finance receivables — 755 10,971 — 11,726 Proceeds from transfer of retail finance receivables, net — 10,428 3,033 (13,461 ) — Net funding of commercial finance receivables — 6 (1,023 ) — (1,017 ) Purchases of leased vehicles, net — — (15,337 ) — (15,337 ) Proceeds from termination of leased vehicles — — 1,096 — 1,096 Acquisition of international operations (513 ) (536 ) — — (1,049 ) Disposition of equity interest — 125 — — 125 Purchases of property and equipment — (21 ) (69 ) — (90 ) Change in restricted cash — (43 ) (221 ) — (264 ) Change in other assets — — 30 — 30 Net change in due from affiliates (8,819 ) (5,593 ) — 14,412 — Net change in investment in affiliates (6 ) (1,893 ) — 1,899 — Net cash used in investing activities (9,338 ) (10,769 ) (18,501 ) 16,311 (22,297 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 1,147 — 1,147 Borrowings and issuance of secured debt — — 22,385 — 22,385 Payments on secured debt — — (15,178 ) — (15,178 ) Borrowings and issuance of unsecured debt 9,687 — 3,290 — 12,977 Payments on unsecured debt — — (1,709 ) — (1,709 ) Net capital contributions 649 — 1,899 (1,899 ) 649 Debt issuance costs (58 ) — (97 ) — (155 ) Other 1 — — — 1 Net change in due to affiliates — 9,766 4,646 (14,412 ) — Net cash provided by financing activities 10,279 9,766 16,383 (16,311 ) 20,117 Net increase (decrease) in cash and cash equivalents — (7 ) 266 — 259 Effect of foreign exchange rate changes on cash and cash equivalents — — (172 ) — (172 ) Cash and cash equivalents at beginning of period — 2,266 708 — 2,974 Cash and cash equivalents at end of period $ — $ 2,259 $ 802 $ — $ 3,061 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2014 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 537 $ 548 $ 732 $ (1,280 ) $ 537 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 14 2 976 — 992 Accretion and amortization of loan and leasing fees — 4 (367 ) — (363 ) Amortization of carrying value adjustment — (4 ) (230 ) — (234 ) Equity in income of affiliates (757 ) (523 ) — 1,280 — Provision for loan losses — 334 270 — 604 Deferred income taxes 1 127 (211 ) — (83 ) Stock-based compensation expense 18 — 1 — 19 Other 137 (2 ) 47 — 182 Changes in assets and liabilities: Other assets (18 ) (14 ) (56 ) — (88 ) Accounts payable and accrued expenses 36 (25 ) 122 — 133 Taxes payable (3 ) — (60 ) — (63 ) Related party taxes payable (7 ) — — — (7 ) Related party payable — — 5 — 5 Net cash (used in) provided by operating activities (42 ) 447 1,229 — 1,634 Cash flows from investing activities Purchases of retail finance receivables, net — (8,220 ) (14,321 ) 7,792 (14,749 ) Principal collections and recoveries on retail finance receivables — (99 ) 10,959 — 10,860 Proceeds from transfer of retail finance receivables, net — 6,369 1,423 (7,792 ) — Net funding of commercial finance receivables — (128 ) (1,770 ) — (1,898 ) Purchases of leased vehicles, net — — (4,882 ) — (4,882 ) Proceeds from termination of leased vehicles — — 533 — 533 Acquisition of international operations (46 ) — — — (46 ) Purchases of property and equipment — (20 ) (32 ) — (52 ) Change in restricted cash — 3 (235 ) — (232 ) Change in other assets — — (2 ) — (2 ) Net change in due from affiliates (3,149 ) (443 ) (400 ) 3,992 — Net change in investment in affiliates (357 ) (27 ) — 384 — Net cash used in investing activities (3,552 ) (2,565 ) (8,727 ) 4,376 (10,468 ) Cash flows from financing activities Net change in debt (original maturities less than three months) — — 470 — 470 Borrowings and issuance of secured debt — — 21,080 — 21,080 Payments on secured debt — — (16,890 ) — (16,890 ) Borrowings and issuance of unsecured debt 3,500 — 3,674 — 7,174 Payments on unsecured debt — — (1,889 ) — (1,889 ) Net capital contributions 996 — 382 (382 ) 996 Debt issuance costs (39 ) — (88 ) — (127 ) Net change in due to affiliates (863 ) 3,989 866 (3,992 ) — Net cash provided by financing activities 3,594 3,989 7,605 (4,374 ) 10,814 Net increase (decrease) in cash and cash equivalents — 1,871 107 2 1,980 Effect of foreign exchange rate changes on cash and cash equivalents — — (78 ) (2 ) (80 ) Cash and cash equivalents at beginning of period — 395 679 — 1,074 Cash and cash equivalents at end of period $ — $ 2,266 $ 708 $ — $ 2,974 GENERAL MOTORS FINANCIAL COMPANY, INC. CONSOLIDATING STATEMENT OF CASH FLOWS Year Ended December 31, 2013 (in millions) General Motors Financial Company, Inc. Guarantor Non- Guarantors Eliminations Consolidated Cash flows from operating activities Net income $ 566 $ 446 $ 689 $ (1,135 ) $ 566 Adjustments to reconcile net income to net cash (used in) provided by operating activities Depreciation and amortization 8 2 535 — 545 Accretion and amortization of loan and leasing fees — 2 (90 ) — (88 ) Amortization of carrying value adjustment — (2 ) (92 ) — (94 ) Equity in income of affiliates (584 ) (551 ) — 1,135 — Provision for loan losses — 239 236 — 475 Deferred income taxes 9 133 37 — 179 Stock-based compensation expense 9 — — — 9 Other (118 ) — (49 ) — (167 ) Changes in assets and liabilities Other assets (71 ) 22 (78 ) — (127 ) Accounts payable and accrued expenses 73 34 88 — 195 Taxes payable (6 ) (5 ) 31 — 20 Related party taxes payable 84 — — — 84 Related party payable — — (39 ) — (39 ) Net cash (used in) provided by operating activities (30 ) 320 1,268 — 1,558 Cash flows from investing activities Purchases of retail finance receivables, net — (6,119 ) (11,360 ) 7,906 (9,573 ) Principal collections and recoveries on retail finance receivables — (124 ) 7,648 — 7,524 Proceeds from transfer of retail finance receivables, net — 6,921 985 (7,906 ) — Net funding of commercial finance receivables — 39 (1,351 ) 46 (1,266 ) Purchases of leased vehicles, net — — (2,262 ) — (2,262 ) Proceeds from termination of leased vehicles — — 217 — 217 Acquisition of international operations (3,222 ) — 607 — (2,615 ) Purchases of property and equipment — (3 ) (13 ) — (16 ) Change in restricted cash — (16 ) (251 ) — (267 ) Change in other assets — — 3 — 3 Net change in due from affiliates (1,531 ) (1,022 ) — 2,553 — Net change in investment in affiliates (29 ) (818 ) — 847 — Net cash used in investing activities (4,782 ) (1,142 ) (5,777 ) 3,446 (8,255 ) Cash flows from financing activities Borrowings and issuance of secured debt — — 17,378 — 17,378 Payments on secured debt — — (13,222 ) — (13,222 ) Borrowings and issuance of unsecured debt 2,500 — 2,724 — 5,224 Payments on unsecured debt — — (2,699 ) — (2,699 ) Borrowings on related party line of credit 1,100 — — — 1,100 Payments on related party line of credit (1,100 ) — — — (1,100 ) Repayment of debt to Ally Financial — — (1,416 ) — (1,416 ) Net capital contribution 1,478 — 672 (850 ) 1,300 Debt issuance costs (30 ) — (46 ) — (76 ) Other 1 — 1 — 2 Net change in due to affiliates 863 (35 ) 1,771 (2,599 ) — Net cash provided by (used in) financing activities 4,812 (35 ) 5,163 (3,449 ) 6,491 Net increase (decrease) in cash and cash equivalents — (857 ) 654 (3 ) (206 ) Effect of foreign exchange rate changes on cash and cash equivalents — — (12 ) 3 (9 ) Cash and cash equivalents at beginning of period — 1,252 37 — 1,289 Cash and cash equivalents at end of period $ — $ 395 $ 679 $ — $ 1,074

Summary of Significant Accoun48

Summary of Significant Accounting Policies - Narrative (Details)	Jan. 02, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2015USD ($)segmentpayments	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)	Jan. 03, 2015	Oct. 31, 2014USD ($)
Summary of Significant Accounting Policies [Line Items]
Typical repayment period			30 days
Probable loss experience period			10 years
Allowance for credit losses		$ 31,000,000	$ 54,000,000	$ 31,000,000
Number of delinquent payments that can be moved | payments			2
Additional operating segments | segment			2
Number of operating segments | segment			2
Intercompany subvention receivable		384,000,000	$ 573,000,000	384,000,000
Intercompany Receivable - Commercial Lending		176,000,000	229,000,000	176,000,000
Intercompany Receivables - Wholesale financing		289,000,000		289,000,000
Intercompany Receivable - Commercial Receivables		433,000,000	362,000,000	433,000,000
Related party taxes payable		636,000,000	$ 0	636,000,000
Earnings asset leverage ratio			8.3
Ownership percentage by noncontrolling owners (percent)	10.00%
Contributions from GM		700,000,000
Total borrowing capacity			$ 5,200,000,000
New Accounting Pronouncement, Early Adoption, Effect [Member] | Other Assets [Member]
Summary of Significant Accounting Policies [Line Items]
Issuance costs		116,000,000		116,000,000
Parent Company [Member]
Summary of Significant Accounting Policies [Line Items]
Subvention income			3,600,000,000	1,200,000,000	$ 451,000,000
Amortization of lease subvention			$ 1,000,000,000	311,000,000	$ 159,000,000
Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Estimated useful life (in years)			1 year
Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Estimated useful life (in years)			30 years
Earnings asset leverage ratio			9.5
Consumer Finance Receivables [Member]
Summary of Significant Accounting Policies [Line Items]
Contractually delinquent period			120 days
Commercial Finance Receivables [Member]
Summary of Significant Accounting Policies [Line Items]
Typical repayment period			90 days
Contractually delinquent period			360 days
Commercial Finance Receivables [Member] | Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Credit facility expiration period			6 months
Commercial Finance Receivables [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Payment period after loan is called			60 days
Credit facility expiration period			18 months
Corporate Revolving Credit Facility [Member] | Line of Credit [Member]
Summary of Significant Accounting Policies [Line Items]
Total borrowing capacity							$ 4,000,000,000
Junior Subordinated Revolving Credit Facility [Member] | Line of Credit [Member]
Summary of Significant Accounting Policies [Line Items]
Total borrowing capacity							$ 1,000,000,000
Secured Debt [Member] | New Accounting Pronouncement, Early Adoption, Effect [Member] | Long-term Debt [Member]
Summary of Significant Accounting Policies [Line Items]
Issuance costs		41,000,000		41,000,000
Unsecured Debt [Member] | New Accounting Pronouncement, Early Adoption, Effect [Member] | Long-term Debt [Member]
Summary of Significant Accounting Policies [Line Items]
Issuance costs		75,000,000		75,000,000
Tax Year 2010 and 2011 [Member]
Summary of Significant Accounting Policies [Line Items]
Related party taxes payable		$ 296,000,000		$ 296,000,000
Tax Year 2014 [Member]
Summary of Significant Accounting Policies [Line Items]
Contributions from GM			$ 649,000,000
Subsidiaries [Member]
Summary of Significant Accounting Policies [Line Items]
Ownership percentage	40.00%
Ownership percentage by noncontrolling owners (percent)	5.00%
SAIC-GMAC [Member]
Summary of Significant Accounting Policies [Line Items]
Ownership percentage						35.00%
Aggregate consideration	$ 1,000,000,000
Proceeds from sale of interest	$ 125,000,000

Summary of Significant Accoun49

Summary of Significant Accounting Policies - Goodwill Impairment Test (Details) - North America [Member]	12 Months Ended
	Dec. 31, 2015
Market Approach Assumption [Member]
Goodwill Impairment Test [Line Items]
Trailing-twelve months earnings multiple	11.1
Forward earnings multiple	12.7
Weighting applied (percent)	25.00%
Income Approach Assumption [Member]
Goodwill Impairment Test [Line Items]
Weighting applied (percent)	75.00%
Cost of equity (percent)	11.20%
Income Approach Assumption [Member] | Maximum [Member]
Goodwill Impairment Test [Line Items]
Targeted equity-to-earning assets ratio	8.60%
Income Approach Assumption [Member] | Minimum [Member]
Goodwill Impairment Test [Line Items]
Targeted equity-to-earning assets ratio	7.50%
Goodwill [Member]
Goodwill Impairment Test [Line Items]
Percentage of goodwill balance	93.00%

Acquisition of Ally Financial50

Acquisition of Ally Financial International Operations - Narrative (Details) - USD ($) $ in Millions	Jan. 02, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Jan. 03, 2015	Dec. 31, 2012
Business Acquisition [Line Items]
Ownership percentage by noncontrolling owners (percent)	10.00%
Goodwill	$ 371	$ 1,189	$ 1,244	$ 1,240		$ 1,108
Equity income		116	0	0
Pro forma net income			644
Ally Financial International Operations [Member]
Business Acquisition [Line Items]
Aggregate consideration				3,300
Liabilities incurred				$ 1,400
SAIC-GMAC [Member]
Business Acquisition [Line Items]
Aggregate consideration	1,000
Ownership percentage					35.00%
Proceeds from sale of interest	$ 125
Equity income		$ 116	$ 107
SAIC GMAC [Member]
Business Acquisition [Line Items]
Ownership percentage	40.00%
Ownership percentage by noncontrolling owners (percent)	5.00%

Finance Receivables - Narrative

Finance Receivables - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Recorded Investment, Nonaccrual Status	$ 778	$ 682
Troubled Debt Restructurings - Subsequent Default	20	25	$ 22
Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	29,124	25,623	23,130	$ 10,789
Consumer Finance Receivables [Member] | North America [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	18,148	13,361	$ 11,388	$ 10,789
Consumer Finance Receivables [Member] | Pre-Acquisition Portfolio [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	$ 145	$ 459

Finance Receivables - Finance R

Finance Receivables - Finance Receivables, net (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	$ 36,781	$ 33,000
North America [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	21,558	15,943
International [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables, net	15,223	17,057
Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	29,124	25,623	$ 23,130	$ 10,789
Consumer Finance Receivables [Member] | North America [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	18,148	13,361	11,388	10,789
Consumer Finance Receivables [Member] | International [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	10,976	12,262	11,742	0
Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	8,439	8,072	6,700	560
Commercial Finance Receivables [Member] | North America [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	4,051	3,180	1,975	560
Commercial Finance Receivables [Member] | International [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total retail finance receivables	4,388	4,892	$ 4,725	$ 0
Automobile Loan [Member] | Consumer Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	27,512	24,389
Retail finance receivables, individually evaluated for impairment, net of fees	1,612	1,234
Total retail finance receivables	29,124	25,623
Less: allowance for loan losses - collective	(515)	(483)
Less: allowance for loan losses - specific	(220)	(172)
Total retail finance receivables, net	28,389	24,968
Automobile Loan [Member] | Consumer Finance Receivables [Member] | North America [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	16,536	12,127
Retail finance receivables, individually evaluated for impairment, net of fees	1,612	1,234
Total retail finance receivables	18,148	13,361
Less: allowance for loan losses - collective	(398)	(405)
Less: allowance for loan losses - specific	(220)	(172)
Total retail finance receivables, net	17,530	12,784
Deferred income	179	245
Automobile Loan [Member] | Consumer Finance Receivables [Member] | International [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	10,976	12,262
Retail finance receivables, individually evaluated for impairment, net of fees	0	0
Total retail finance receivables	10,976	12,262
Less: allowance for loan losses - collective	$ (117)	(78)
Less: allowance for loan losses - specific		0
Total retail finance receivables, net	$ 10,859	12,184
Direct-financing leases	1,100	1,000
Automobile Loan [Member] | Commercial Finance Receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	8,357	7,983
Retail finance receivables, individually evaluated for impairment, net of fees	82	89
Total retail finance receivables	8,439	8,072
Less: allowance for loan losses - collective	(38)	(35)
Less: allowance for loan losses - specific	(9)	(5)
Total retail finance receivables, net	8,392	8,032
Automobile Loan [Member] | Commercial Finance Receivables [Member] | North America [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	4,043	3,180
Retail finance receivables, individually evaluated for impairment, net of fees	8	0
Total retail finance receivables	4,051	3,180
Less: allowance for loan losses - collective	(23)	(21)
Less: allowance for loan losses - specific	0	0
Total retail finance receivables, net	4,028	3,159
Automobile Loan [Member] | Commercial Finance Receivables [Member] | International [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Retail finance receivables, collectively evaluated for impairment, net of fees	4,314	4,803
Retail finance receivables, individually evaluated for impairment, net of fees	74	89
Total retail finance receivables	4,388	4,892
Less: allowance for loan losses - collective	(15)	(14)
Less: allowance for loan losses - specific	(9)	(5)
Total retail finance receivables, net	$ 4,364	$ 4,873

Finance Receivables - Finance53

Finance Receivables - Finance Receivables Summary (Details) - Retail Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	$ 25,623	$ 23,130	$ 10,789
Acquisition	0	0	10,310
Purchases	17,537	15,085	9,597
Principal collections and other	(10,968)	(10,234)	(7,029)
Charge-offs	(996)	(914)	(638)
Foreign currency translation	(2,072)	(1,444)	101
Balance at end of period	29,124	25,623	23,130
North America [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	13,361	11,388	10,789
Acquisition	0	0	0
Purchases	10,931	6,808	5,126
Principal collections and other	(5,272)	(4,054)	(3,943)
Charge-offs	(859)	(776)	(584)
Foreign currency translation	(13)	(5)	0
Balance at end of period	18,148	13,361	11,388
International [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	12,262	11,742	0
Acquisition	0	0	10,310
Purchases	6,606	8,277	4,471
Principal collections and other	(5,696)	(6,180)	(3,086)
Charge-offs	(137)	(138)	(54)
Foreign currency translation	(2,059)	(1,439)	101
Balance at end of period	$ 10,976	$ 12,262	$ 11,742

Finance Receivables - Allowance

Finance Receivables - Allowance for Loan Losses (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	$ 31
Provision for loan losses	624	$ 604	$ 475
Balance at end of period	54	31
Consumer Finance Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Charge-offs	(996)	(914)	(638)
Consumer Finance Receivables [Member] | North America [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Charge-offs	(859)	(776)	(584)
Consumer Finance Receivables [Member] | International [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Charge-offs	(137)	(138)	(54)
Consumer Finance Receivables [Member] | Automobile Loan [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	655	497	345
Provision for loan losses	612	613	432
Charge-offs	(996)	(914)	(638)
Recoveries	486	470	356
Foreign currency translation	(22)	(11)	2
Balance at end of period	735	655	497
Consumer Finance Receivables [Member] | Automobile Loan [Member] | North America [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	577	468	345
Provision for loan losses	461	468	380
Charge-offs	(859)	(776)	(584)
Recoveries	439	417	327
Foreign currency translation	0	0	0
Balance at end of period	618	577	468
Consumer Finance Receivables [Member] | Automobile Loan [Member] | International [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of period	78	29	0
Provision for loan losses	151	145	52
Charge-offs	(137)	(138)	(54)
Recoveries	47	53	29
Foreign currency translation	(22)	(11)	2
Balance at end of period	$ 117	$ 78	$ 29

Finance Receivables - Credit Qu

Finance Receivables - Credit Quality (Details) - Consumer Finance Receivables [Member] - Automobile Loan [Member] - North America [Member] - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 18,148	$ 13,361
Percent	100.00%	100.00%
FICO score 680 and greater [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 4,418	$ 596
Percent	24.40%	4.40%
FICO score 620 to 679 [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 2,890	$ 1,691
Percent	15.90%	12.70%
FICO Scores Less Than 620 [Member]
Financing Receivable, Recorded Investment [Line Items]
Amount	$ 10,840	$ 11,074
Percent	59.70%	82.90%

Finance Receivables - Delinquen

Finance Receivables - Delinquency (Details) - Consumer Finance Receivables [Member] - Automobile Loan [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
In repossession	$ 46	$ 40
In repossession of contractual amount due (percent)	0.20%	0.20%
Financing receivable and in repossession past due	$ 1,764	$ 1,555
Financing receivable and in repossession past due (percent)	6.00%	6.10%
31 to 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,237	$ 1,083
Financing receivable past due (percent)	4.20%	4.20%
Greater Than 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 481	$ 432
Financing receivable past due (percent)	1.60%	1.70%
30 or More Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 1,718	$ 1,515
Financing receivable past due (percent)	5.80%	5.90%
North America [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
In repossession	$ 42	$ 36
Financing receivable and in repossession past due	1,581	1,358
North America [Member] | 31 to 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	1,150	994
North America [Member] | Greater Than 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	389	328
North America [Member] | 30 or More Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	1,539	1,322
International [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
In repossession	4	4
Financing receivable and in repossession past due	183	197
International [Member] | 31 to 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	87	89
International [Member] | Greater Than 60 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	92	104
International [Member] | 30 or More Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable past due	$ 179	$ 193

Finance Receivables - Troubled

Finance Receivables - Troubled Debt Restructurings (Details) - North America [Member] - Consumer Finance Receivables [Member] $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan	Dec. 31, 2013USD ($)loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding recorded investment	$ 1,612	$ 1,234
Less: allowance for loan losses	(220)	(172)
Outstanding recorded investment, net of allowance	1,392	1,062
Unpaid principal balance	1,642	1,255
Average outstanding recorded investment	1,455	996	$ 487
Finance income recognized	$ 164	$ 123	$ 70
Number of loans classified as TDRs during the period | loan	58,012	49,490	38,196
Recorded investment of loans classified as TDRs during the period	$ 982	$ 794	$ 643

Finance Receivables - Commercia

Finance Receivables - Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	$ 8,072	$ 6,700	$ 560
Acquisition	0	0	4,834
Net funding (collections)	984	1,889	1,178
Charge-offs	(3)	0	(5)
Foreign currency translation	(614)	(517)	133
Balance at end of period	8,439	8,072	6,700
North America [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	3,180	1,975	560
Acquisition	0	0	0
Net funding (collections)	933	1,228	1,424
Charge-offs	(2)	0	(2)
Foreign currency translation	(60)	(23)	(7)
Balance at end of period	4,051	3,180	1,975
International [Member]
Accounts Notes And Loans Receivable Rollforward [Roll Forward]
Balance at beginning of period	4,892	4,725	0
Acquisition	0	0	4,834
Net funding (collections)	51	661	(246)
Charge-offs	(1)	0	(3)
Foreign currency translation	(554)	(494)	140
Balance at end of period	$ 4,388	$ 4,892	$ 4,725

Finance Receivables - Credit Ri

Finance Receivables - Credit Risk Profile by Dealer grouping of Commercial Finance Receivables (Details) - Commercial Finance Receivables [Member] - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	$ 8,439	$ 8,072	$ 6,700	$ 560
Group I [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	1,299	1,062
Group II [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	2,648	2,090
Group III [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	2,703	2,856
Group IV [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	1,100	1,250
Group V [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	505	559
Group VI [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing Receivable, Gross	$ 184	$ 255

Leased Vehicles (Details)

Leased Vehicles (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property Subject to or Available for Operating Lease, Net [Abstract]
Leased vehicles	$ 27,587	$ 9,747
Manufacturing Incentives	(4,582)	(1,479)
Leased Vehicles Accounted For Operating Leases Net Of Manufacturing Incentives	23,005	8,268	$ 4,025	$ 1,976
Less: accumulated depreciation	(2,833)	(1,208)
Leased vehicles, net	$ 20,172	$ 7,060	$ 3,400

Leased Vehicles - Leased Vehicl

Leased Vehicles - Leased Vehicles Summary (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Leased Vehicles Accounted For Operating Leases, Net [Roll Forward]
Balance at beginning of period	$ 8,268	$ 4,025	$ 1,976
International operations acquisition	0	0	5
Leased vehicles purchased	20,199	6,169	2,830
Leased vehicles returned - end of term	(1,785)	(878)	(343)
Leased vehicles returned - default	(120)	(58)	(28)
Manufacturing incentives	(3,169)	(844)	(360)
Foreign currency translation	(388)	(146)	(55)
Balance at end of period	$ 23,005	$ 8,268	$ 4,025

Leased Vehicles - Minimum renta

Leased Vehicles - Minimum rental payments (Details) $ in Millions	Dec. 31, 2015USD ($)
Operating Leases, Future Minimum Payments Receivable [Abstract]
2,016	$ 3,359
2,017	2,830
2,018	1,494
2,019	169
2,020	4
Total	$ 7,856

Restricted Cash (Details)

Restricted Cash (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Restricted Cash and Cash Equivalents Items [Line Items]
Total restricted cash	$ 1,941	$ 2,071
Revolving Credit Facilities [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Total restricted cash	345	326
Securitization Notes Payable [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Total restricted cash	1,531	1,395
Other [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Total restricted cash	$ 65	$ 350

Goodwill (Details)

Goodwill (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill [Roll Forward]
Balance at beginning of period	$ 1,244	$ 1,240	$ 1,108
Acquisition	0	6	132
Foreign currency translation	(55)	(2)	0
Balance at end of period	1,189	1,244	1,240
North America [Member]
Goodwill [Roll Forward]
Balance at beginning of period	1,106	1,108	1,108
Acquisition	0	0	0
Foreign currency translation	(1)	(2)	0
Balance at end of period	1,105	1,106	1,108
International [Member]
Goodwill [Roll Forward]
Balance at beginning of period	138	132	0
Acquisition	0	6	132
Foreign currency translation	(54)	0	0
Balance at end of period	$ 84	$ 138	$ 132

Equity in Net Assets of Non-c65

Equity in Net Assets of Non-consolidated Affiliates - Summarized Financial Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Schedule of Equity Method Investments [Line Items]
Undistributed earnings of foreign subsidiaries	$ 21	$ 26
SAIC-GMAC [Member]
Schedule of Equity Method Investments [Line Items]
Undistributed earnings of foreign subsidiaries	121
Summarized Balance Sheet Data
Finance receivables, net	9,617
Total assets	9,802
Debt	5,789
Total liabilities	7,973
Summarized Operating Data
Finance charge income	971
Provision for loan losses	45
Interest expense	338
Income before income taxes	463
Net income	$ 347
Ownership percentage	35.00%

Debt - Narrative (Details)

Debt - Narrative (Details)	12 Months Ended
	Dec. 31, 2015USD ($)	May. 31, 2015CAD	Feb. 28, 2015EUR (€)	Jan. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Debt Instrument [Line Items]
Total borrowing capacity	$ 5,200,000,000
Secured debt	30,689,000,000				$ 25,173,000,000
Unsecured debt	23,657,000,000				12,142,000,000
Face amount of debt	19,100,000,000				8,400,000,000
Revolving Credit Facilities [Member]
Debt Instrument [Line Items]
Secured debt	7,548,000,000				7,028,000,000
Unsecured debt	$ 2,759,000,000				2,974,000,000
Revolving Credit Facilities [Member] | Maximum [Member]
Debt Instrument [Line Items]
Expiration period	6 years
Senior Notes [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	3.37%
Unsecured debt	$ 19,100,000,000
Medium-term Notes [Member] | Euro Medium Due February 2018 [Member]
Debt Instrument [Line Items]
Face amount of debt | €			€ 650,000,000
Interest rate (percent)			0.85%
Unsecured Debt [Member]
Debt Instrument [Line Items]
Issuance costs	107,000,000				75,000,000
Secured Debt [Member]
Debt Instrument [Line Items]
Issuance costs	$ 76,000,000				60,000,000
Secured Debt [Member] | Securitization Notes Payable [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	1.50%
Secured debt	$ 14,300,000,000
North America [Member]
Debt Instrument [Line Items]
Secured debt	23,151,000,000				15,422,000,000
Unsecured debt	17,731,000,000				7,777,000,000
North America [Member] | Revolving Credit Facilities [Member]
Debt Instrument [Line Items]
Secured debt	3,246,000,000				1,701,000,000
Unsecured debt	$ 0				0
North America [Member] | Secured Debt [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	1.63%
International [Member]
Debt Instrument [Line Items]
Secured debt	$ 7,538,000,000				9,751,000,000
Unsecured debt	5,926,000,000				4,365,000,000
International [Member] | Revolving Credit Facilities [Member]
Debt Instrument [Line Items]
Secured debt	4,302,000,000				5,327,000,000
Unsecured debt	$ 2,759,000,000				2,974,000,000
International [Member] | Line of Credit [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	8.72%
Increase in unsecured committed credit facilities	$ 334,000,000
Debt instrument term	5 years
International [Member] | Secured Debt [Member]
Debt Instrument [Line Items]
Weighted average interest rate (percent)	3.10%
Parent Company [Member]
Debt Instrument [Line Items]
Secured debt	$ 0				0
Unsecured debt	17,087,000,000				$ 7,435,000,000
Parent Company [Member] | Senior Notes [Member]
Debt Instrument [Line Items]
Unsecured debt	$ 17,200,000,000
Face amount of debt				$ 9,700,000,000
Parent Company [Member] | Senior Notes [Member] | Floating Rate Senior Notes [Member]
Debt Instrument [Line Items]
Face amount of debt				800,000,000
Parent Company [Member] | Senior Notes [Member] | Fixed Rate Senior Notes [Member]
Debt Instrument [Line Items]
Face amount of debt				$ 8,900,000,000
Interest rate (percent)		3.38%
Parent Company [Member] | Senior Notes [Member] | Notes Due May 2020 [Member]
Debt Instrument [Line Items]
Face amount of debt | CAD		CAD 500,000,000
Interest rate (percent)		3.08%

Debt - Short Term and Long Term

Debt - Short Term and Long Term Debt (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Short Term and Long Term Debt [Line Items]
Secured debt	$ 30,689	$ 25,173
Unsecured debt	23,657	12,142
Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	7,548	7,028
Unsecured debt	2,759	2,974
Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	23,141	18,145
Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	18,973	8,375
Retail Customer Deposits [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,260	0
Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	665	793
North America [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	23,151	15,422
Unsecured debt	17,731	7,777
North America [Member] | Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	3,246	1,701
Unsecured debt	0	0
North America [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	19,905	13,721
North America [Member] | Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	17,731	7,777
North America [Member] | Retail Customer Deposits [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	0	0
North America [Member] | Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	0	0
International [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	7,538	9,751
Unsecured debt	5,926	4,365
International [Member] | Revolving Credit Facility [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	4,302	5,327
Unsecured debt	2,759	2,974
International [Member] | Securitization Notes Payable [Member]
Short Term and Long Term Debt [Line Items]
Secured debt	3,236	4,424
International [Member] | Senior Notes [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,242	598
International [Member] | Retail Customer Deposits [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	1,260	0
International [Member] | Other Unsecured Debt [Member]
Short Term and Long Term Debt [Line Items]
Unsecured debt	$ 665	$ 793

Debt - Summary of Retail Deposi

Debt - Summary of Retail Deposits (Details) - Germany [Member] $ in Millions	Dec. 31, 2015USD ($)
Outstanding Balance
Overnight deposits	$ 555
Term deposits -12 months	337
Term deposits - 24 months	123
Term deposits - 36 months	245
Total deposits	$ 1,260
Weighted Average Interest Rate
Overnight deposits (percent)	1.00%
Term deposits - 12 months (percent)	1.32%
Term deposits - 24 months (percent)	1.44%
Term deposits - 36 months (percent)	1.65%
Total deposits (percent)	1.25%

Debt - Repayments of Principal

Debt - Repayments of Principal and Interest (Details) $ in Millions	Dec. 31, 2015USD ($)
Debt Instrument [Line Items]
Repayments of interest In 2016	$ 1,275
Repayments of interest In 2017	1,008
Repayments of interest In 2018	588
Repayments of interest In 2019	397
Repayments of interest In 2020	267
Repayments of interest thereafter	483
Interest Payable	4,018
Total repayments in 2016	20,068
Total repayments in 2017	13,830
Total repayments in 2018	9,735
Total repayments in 2019	4,682
Total repayments in 2020	4,694
Total repayments thereafter	5,533
Total repayments of principal and interest	58,542
Secured Debt [Member]
Debt Instrument [Line Items]
Repayments of principal in 2016	14,450
Repayments of principal in 2017	9,168
Repayments of principal in 2018	5,688
Repayments of principal in 2019	1,120
Repayments of principal in 2020	317
Repayments of principal thereafter	0
Long-term Debt	30,743
Unsecured Debt [Member]
Debt Instrument [Line Items]
Repayments of principal in 2016	4,343
Repayments of principal in 2017	3,654
Repayments of principal in 2018	3,459
Repayments of principal in 2019	3,165
Repayments of principal in 2020	4,110
Repayments of principal thereafter	5,050
Long-term Debt	$ 23,781

Variable Interest Entities - Na

Variable Interest Entities - Narrative (Details) - USD ($) $ in Billions	Dec. 31, 2015	Dec. 31, 2014
Noncontrolling Interest [Abstract]
Transfers of finance receivables	$ 1.5	$ 2.5
Transfers of finance receivables outstanding balance	$ 1.4	$ 2.4

Variable Interest Entities - As

Variable Interest Entities - Assets and Liabilities of Consolidated VIE's (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Variable Interest Entity [Line Items]
Restricted cash	$ 1,941	$ 2,071
Finance receivables, net	36,781	33,000
Lease related assets	20,172	7,060	$ 3,400
Variable Interest Entity, Primary Beneficiary, Aggregated Disclosure [Member]
Variable Interest Entity [Line Items]
Restricted cash	1,876	1,721
Finance receivables, net	24,942	23,109
Lease related assets	11,684	4,595
Secured debt	$ 29,386	$ 22,794

Variable Interest Entities - 72

Variable Interest Entities - Assets and Liabilities of Other VIE's (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Variable Interest Entity [Line Items]
Assets	$ 65,904	$ 47,608
Liabilities	57,852	40,216
Finance receivables, net	36,781	33,000
Secured debt	30,689	25,173
Other VIE [Member]
Variable Interest Entity [Line Items]
Assets	3,652	3,696
Liabilities	2,941	3,184
Finance receivables, net	3,200	3,600
Secured debt	$ 2,600	$ 2,500

Variable Interest Entities - Re

Variable Interest Entities - Revenues and Net Income from Entities (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Variable Interest Entity [Line Items]
Total revenue	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 1,305	$ 1,261	$ 1,191	$ 1,097	$ 6,454	$ 4,854	$ 3,344
Net income	$ 131	$ 179	$ 186	$ 150	$ 59	$ 158	$ 175	$ 145	646	537	$ 566
Other VIE [Member]
Variable Interest Entity [Line Items]
Total revenue									191	192
Net income									$ 29	$ 28

Derivative Financial Instrume74

Derivative Financial Instruments and Hedging Activities - Derivative Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Derivatives, Fair Value [Line Items]
Derivative Liability, Fair Value	$ 343	$ 418
Designated as Hedging Instrument [Member] | Liabilities [Member] | Interest Rate Swap [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,000	0
Derivative Asset, Fair Value	0	0
Not Designated as Hedging Instrument [Member] | Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	11,909	5,369
Derivative Asset, Fair Value	75	16
Not Designated as Hedging Instrument [Member] | Assets [Member] | Interest Rate Swap [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	4,122	1,652
Derivative Asset, Fair Value	8	6
Not Designated as Hedging Instrument [Member] | Assets [Member] | Interest Rate Cap [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	6,327	2,123
Derivative Asset, Fair Value	19	6
Not Designated as Hedging Instrument [Member] | Assets [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Asset, Notional Amount	1,460	1,594
Derivative Asset, Fair Value	48	4
Not Designated as Hedging Instrument [Member] | Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	13,933	8,475
Derivative Liability, Fair Value	43	46
Not Designated as Hedging Instrument [Member] | Liabilities [Member] | Interest Rate Swap [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	8,041	5,627
Derivative Liability, Fair Value	24	39
Not Designated as Hedging Instrument [Member] | Liabilities [Member] | Interest Rate Cap [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	5,892	1,804
Derivative Liability, Fair Value	19	6
Not Designated as Hedging Instrument [Member] | Liabilities [Member] | Foreign Currency Swaps [Member]
Derivatives, Fair Value [Line Items]
Derivative Liability, Notional Amount	0	1,044
Derivative Liability, Fair Value	$ 0	$ 1

Derivative Financial Instrume75

Derivative Financial Instruments and Hedging Activities - Derivatives Income (Losses) Recognized in Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Derivatives not designated as hedges
Change in fair value of interest rate contracts	$ 6,000
Change in fair value debt attributed to hedged risk	5,600
Designated as Hedging Instrument [Member] | Fair Value Hedging [Member] | Interest Rate Contract [Member]
Interest rate contracts
Fair value hedges	1	$ 0	$ 0
Ineffectiveness	0	0	0
Not Designated as Hedging Instrument [Member]
Derivatives not designated as hedges
Interest rate contracts	(15,000)	(51,000)	(1,000)
Foreign currency derivatives	42,000	163,000	(118,000)
Non-designated hedges	$ 27,000	$ 112,000	$ (119,000)

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Commitment and Contingencies [Line Items]
Face amount of debt	$ 19,100	$ 8,400
Estimate of possible loss	101
Loss contingency accrual	43
Indirect tax contingency	$ 50
Geographic Concentration Risk [Member] | Accounts Receivable [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	16.20%
Brazil [Member] | Geographic Concentration Risk [Member] | Accounts Receivable [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	21.40%
Germany [Member] | Geographic Concentration Risk [Member] | Accounts Receivable [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	20.60%
Mexico [Member] | Geographic Concentration Risk [Member] | Accounts Receivable [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	12.50%
U.K. [Member] | Geographic Concentration Risk [Member] | Accounts Receivable [Member]
Commitment and Contingencies [Line Items]
Concentration risk (percent)	28.60%
Administrative Offices And Other [Member] | Maximum [Member]
Commitment and Contingencies [Line Items]
Term of contract	10 years

Commitments and Contingencies77

Commitments and Contingencies - Lease Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Commitments and Contingencies Disclosure [Abstract]
Lease expense	$ 28	$ 28	$ 21

Commitments and Contingencies78

Commitments and Contingencies - Operating Lease Commitments (Details) $ in Millions	Dec. 31, 2015USD ($)
Commitments and Contingencies Disclosure [Abstract]
2,016	$ 19
2,017	19
2,018	16
2,019	14
2,020	11
Thereafter	$ 38

Parent Company Stock-Based Co79

Parent Company Stock-Based Compensation - Narrative (Details) - USD ($) shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unamortized compensation expense	$ 53	$ 31
Unamortized compensation expense period for recognition	1 year 4 months 24 days
Total fair value of awards vested	$ 13	$ 9	$ 9
RSU's settled with cash (in shares)	254	359	317
RSU's settled in cash	$ 9	$ 13	$ 10
Granted (in shares)	1,469
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years
Granted (in shares)	317	431	700
Performance Shares Units (PSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period		3 years
Granted (in shares)	366	326	0
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expiration period	10 years
Stock Options [Member] | First 19 Months [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	19 months
Award vesting rights (percent)	40.00%
Stock Options [Member] | Next Three Years [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	3 years

Parent Company Stock-Based Co80

Parent Company Stock-Based Compensation - Summary of Awards Granted (Details) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	1,469
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	317	431	700
Performance Shares Units (PSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	366	326	0
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Grants in period (shares)	786	0	0

Parent Company Stock-Based Co81

Parent Company Stock-Based Compensation - RSUs Granted Employees and Key Executive Officers Under Parent Company Stock Based Compensation Programs (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Shares outstanding
Outstanding at beginning of period (in shares)	1,409
Granted (in shares)	1,469
Forfeited or expired (in shares)	(17)
Settled (in shares)	(559)
Outstanding at end of period (in shares)	2,302	1,409
Weighted Average Grant Date Fair Value
Outstanding at beginning of period (in dollars per share)	$ 32.75
Granted (in dollars per share)	34.27	$ 35.96	$ 33.58
Forfeited or expired (in dollars per share)	36.04
Settled (in dollars per share)	28.99
Outstanding at end of period (in dollars per share)	$ 34.61	$ 32.75
Weighted-Average Remaining Contractual Term
RSUs at beginning of period (in years)	1 year 6 months
RSUs unvested and expected to vest at end of period (in years)	1 year 3 months
RSU's vested and payable at end of period (in years)	1 year 5 months
RSUs unvested and expected to vest at end of period (in shares)	1,464
RSUs vested and payable at end of period (in shares)	778
RSUs unvested and expected to vest at end of period (in dollars per share)	$ 35.40
RSUs vested and payable at end of period	$ 33.05

Parent Company Stock-Based Co82

Parent Company Stock-Based Compensation - Compensation Expense of Stock-based Incentive Plans (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Compensation expense	$ 36	$ 19	$ 21
Income tax benefit	13	8	8
Compensation expense, net of tax	$ 23	$ 11	$ 13

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan Disclosure [Line Items]
Compensation expense	$ 17	$ 12	$ 8
Net periodic expense	6	6	$ 5
International [Member]
Defined Benefit Plan Disclosure [Line Items]
Liabilities	$ 109	$ 115

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Line Items]
Undistributed earnings of foreign subsidiaries	$ 21	$ 26
Tax Credits	131	2
Valuation allowance	104	57
Unrecognized tax benefits that would impact effective tax rate	35	71	$ 104
Penalties and interest expense		(12)	$ (7)
Penalties accrued	75	125
Deposit to reduce unrecognized tax benefit liabilities	12	22
Related party taxes payable	0	636
Tax Year 2036 [Member]
Income Taxes [Line Items]
Net operating loss carryforward	409
Tax Credits	131
Tax Year 2032 [Member]
Income Taxes [Line Items]
Net operating loss carryforward	84
Expiring Indefinitely [Member]
Income Taxes [Line Items]
Net operating loss carryforward	105
Tax Year 2010 and 2011 [Member]
Income Taxes [Line Items]
Related party taxes payable		296
Minimum [Member]
Income Taxes [Line Items]
Gross unrecognized tax benefits could decrease, lower bound	20
U.S. [Member] | Tax Year 2010 and 2011 [Member]
Income Taxes [Line Items]
Contributions from GM		$ 296
Foreign Tax Authority [Member]
Income Taxes [Line Items]
Valuation allowance	50
Domestic Tax Authority [Member]
Income Taxes [Line Items]
Valuation allowance	$ 54
Parent Company [Member] | U.S. [Member]
Income Taxes [Line Items]
Deferral period	4 years

Income Taxes - Income Before In

Income Taxes - Income Before Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
U.S. income	$ 362	$ 481	$ 637
Non-U.S. income	359	334	246
Income before income taxes and equity income	$ 721	$ 815	$ 883

Income Taxes - Income Tax Provi

Income Taxes - Income Tax Provision (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current income tax expense
U.S. federal	$ 13	$ 284	$ 67
U.S. state and local	(5)	14	5
Non-U.S.	51	63	66
Total current	59	361	138
Deferred income tax expense
U.S. federal	95	(87)	176
U.S. state and local	6	(5)	7
Non-U.S.	31	9	(4)
Total deferred	132	(83)	179
Total income tax provision	$ 191	$ 278	$ 317

Income Taxes - Effective Income

Income Taxes - Effective Income Tax Rate on Income Before Income Taxes (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
U.S. statutory tax rate	35.00%	35.00%	35.00%
Non-U.S. income taxed at other than 35%	(3.20%)	(2.20%)	(1.70%)
State and local income taxes	0.90%	1.20%	1.10%
U.S. tax on non-U.S. earnings	(3.20%)	7.20%	(1.70%)
Valuation allowance	7.10%	(4.90%)	3.40%
U.S. tax incentives	(6.60%)	(0.80%)	(0.00%)
Other	(3.50%)	(1.50%)	(0.20%)
Effective tax rate	26.50%	34.00%	35.90%

Income Taxes - Deferred Income

Income Taxes - Deferred Income Tax Assets and Liabilities (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Net operating loss carryforward - US	$ 409	$ 6
Net operating loss carryforward - Non-US	189	199
Market value difference of loan portfolio	166	349
Accruals	107	157
Tax Credits	131	2
Other	113	147
Total deferred tax assets before valuation allowance	1,115	860
Less: valuation allowance	(104)	(57)
Total deferred tax assets	1,011	803
Deferred tax liabilities:
Depreciable assets	645	300
Intangible assets	34	35
Accrued commissions	27	41
Deferred acquisition costs/revenue	116	50
Tax on unremitted earnings of non-U.S. entities	47	0
Other	40	56
Total deferred tax liabilities	909	482
Net deferred tax asset	$ 102	$ 321

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Beginning and Ending Balances of Total Amounts of Gross Unrecognized Tax Benefits (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 95	$ 130	$ 53
International operation acquired amounts	0	0	71
Additions to prior years' tax positions	0	1	0
Reductions to prior years' tax positions	(7)	(12)	(1)
Additions to current year tax positions	1	7	12
Reductions in tax positions due to lapse of statutory limitations	(16)	(6)	(3)
Settlements	(2)	(20)	(1)
Foreign currency translation	(10)	(5)	(1)
Ending balance	$ 61	$ 95	$ 130

Supplemental Cash Flow Inform90

Supplemental Cash Flow Information - Cash Payments For Interest Costs And Income Taxes (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Supplemental Cash Flow Elements [Abstract]
Interest costs (none capitalized)	$ 1,295	$ 1,120	$ 760
Income taxes	$ 84	$ 127	$ 39

Supplemental Cash Flow Inform91

Supplemental Cash Flow Information - Noncash Activity (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Supplemental Cash Flow Elements [Abstract]
Subvention receivable from GM	$ 383	$ 189	$ 82
Commercial loan funding payable to GM	$ 351	$ 427	$ 362

Fair Value of Financial Instr92

Fair Value of Financial Instruments (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Restricted cash	$ 1,941	$ 2,071
Carrying Value [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	3,061	2,974
Restricted cash	1,941	2,071
Carrying Value [Member] | Fair Value, Inputs, Level 2 [Member] | Commercial Finance Receivables [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	8,392	8,032
Carrying Value [Member] | Fair Value, Inputs, Level 2 [Member] | North America [Member] | Secured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	23,151	15,454
Carrying Value [Member] | Fair Value, Inputs, Level 2 [Member] | North America [Member] | Unsecured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	17,731	7,846
Carrying Value [Member] | Fair Value, Inputs, Level 2 [Member] | International [Member] | Secured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	3,122	5,690
Carrying Value [Member] | Fair Value, Inputs, Level 2 [Member] | International [Member] | Unsecured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	4,605	3,496
Carrying Value [Member] | Fair Value, Inputs, Level 3 [Member] | Retail Finance Receivables [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	28,390	24,968
Carrying Value [Member] | Fair Value, Inputs, Level 3 [Member] | International [Member] | Secured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	4,416	4,070
Carrying Value [Member] | Fair Value, Inputs, Level 3 [Member] | International [Member] | Unsecured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	1,321	875
Estimated Fair Value [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	3,061	2,974
Restricted cash	1,941	2,071
Estimated Fair Value [Member] | Fair Value, Inputs, Level 2 [Member] | Commercial Finance Receivables [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	8,392	8,032
Estimated Fair Value [Member] | Fair Value, Inputs, Level 2 [Member] | North America [Member] | Secured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	23,182	15,497
Estimated Fair Value [Member] | Fair Value, Inputs, Level 2 [Member] | North America [Member] | Unsecured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	17,792	8,092
Estimated Fair Value [Member] | Fair Value, Inputs, Level 2 [Member] | International [Member] | Secured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	3,125	5,694
Estimated Fair Value [Member] | Fair Value, Inputs, Level 2 [Member] | International [Member] | Unsecured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	4,617	3,507
Estimated Fair Value [Member] | Fair Value, Inputs, Level 3 [Member] | Retail Finance Receivables [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, net	28,545	25,541
Estimated Fair Value [Member] | Fair Value, Inputs, Level 3 [Member] | International [Member] | Secured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	4,364	4,037
Estimated Fair Value [Member] | Fair Value, Inputs, Level 3 [Member] | International [Member] | Unsecured Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt instrument	$ 1,317	$ 880

Segment Reporting and Geograp93

Segment Reporting and Geographic Information - Narrative (Details)	12 Months Ended
	Dec. 31, 2015segment
Segment Reporting [Abstract]
Number of operating segments	2

Segment Reporting and Geograp94

Segment Reporting and Geographic Information - Operations Reporting by Revenue (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Segment Reporting Information [Line Items]
Total revenue	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 1,305	$ 1,261	$ 1,191	$ 1,097	$ 6,454	$ 4,854	$ 3,344
Operating expenses, including leased vehicle expenses									3,493	2,009	1,223
Provision for loan losses									624	604	475
Interest expense									1,616	1,426	721
Acquisition and integration expenses									0	0	42
Equity income									116	0	0
Income before income taxes	$ 167	$ 231	$ 225	$ 214	$ 120	$ 208	$ 265	$ 222	837	815	883
Operating Segments [Member] | North America [Member]
Segment Reporting Information [Line Items]
Total revenue									4,777	2,909	2,376
Operating expenses, including leased vehicle expenses									2,925	1,385	893
Provision for loan losses									466	472	393
Interest expense									833	459	360
Acquisition and integration expenses											0
Equity income									0
Income before income taxes									553	593	730
Operating Segments [Member] | International [Member]
Segment Reporting Information [Line Items]
Total revenue									1,677	1,945	968
Operating expenses, including leased vehicle expenses									568	624	330
Provision for loan losses									158	132	82
Interest expense									722	954	362
Acquisition and integration expenses											42
Equity income									116
Income before income taxes									345	235	152
Corporate, Non-Segment [Member]
Segment Reporting Information [Line Items]
Total revenue									13	56	43
Operating expenses, including leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									74	69	42
Acquisition and integration expenses											0
Equity income									0
Income before income taxes									(61)	(13)	1
Intersegment Eliminations [Member]
Segment Reporting Information [Line Items]
Total revenue									(13)	(56)	(43)
Operating expenses, including leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									(13)	(56)	(43)
Acquisition and integration expenses											0
Equity income									0
Income before income taxes									$ 0	$ 0	$ 0

Segment Reporting and Geograp95

Segment Reporting and Geographic Information - Operations Reporting by Assets (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Segment Reporting Information [Line Items]
Finance receivables, net	$ 36,781	$ 33,000
Leased vehicles, net	20,172	7,060	$ 3,400
Total assets	65,904	47,608
North America [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	21,558	15,943
Leased vehicles, net	20,086	7,029
Total assets	47,419	27,586
International [Member]
Segment Reporting Information [Line Items]
Finance receivables, net	15,223	17,057
Leased vehicles, net	86	31
Total assets	$ 18,485	$ 20,022

Segment Reporting and Geograp96

Segment Reporting and Geographic Information - Geographic Information (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenue	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 1,305	$ 1,261	$ 1,191	$ 1,097	$ 6,454	$ 4,854	$ 3,344
Long-lived assets	20,391				7,232				20,391	7,232	3,515
Leased vehicles, net	20,172				7,060				20,172	7,060	3,400
U.S. [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenue									4,324	2,552	2,185
Long-lived assets	18,501				5,477				18,501	5,477	2,472
Canada [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenue									453	357	204
Long-lived assets	1,731				1,635				1,731	1,635	965
Brazil [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenue									757	964	234
Long-lived assets	3				4				3	4	4
Other Countries [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenue									920	981	721
Long-lived assets	$ 156				$ 116				$ 156	$ 116	$ 74

Accumulated Other Comprehensi97

Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Changes in Accumulated Other Comprehensive Income [Roll Forward]
Balance at beginning of period	$ (11)	$ 3	$ 0
Unrealized (loss) gain on subsidiary pension, net of tax	(2)	(14)	3
Balance at end of period	(13)	(11)	3
Balance at beginning of period	(422)	8	(3)
Translation (loss) gain	(669)	(430)	11
Balance at end of period	(1,091)	(422)	8
Total accumulated other comprehensive income (loss)	$ (1,104)	$ (433)	$ 11

Regulatory Capital and Other 98

Regulatory Capital and Other Regulatory Matters - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 65,904	$ 47,608
International Regulated Bank And Finance Companies [Member]
Capital Requirements on Foreign Financial Institutions [Line Items]
Assets	$ 11,100	$ 11,400

Regulatory Capital and Other 99

Regulatory Capital and Other Regulatory Matters - Minimum Capital Requirements and Actual Capital Reported (Details)	Dec. 31, 2015
Germany [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Minimum Capital Requirement (percent)	8.00%
Actual Capital (percent)	18.10%
Brazil [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Minimum Capital Requirement (percent)	11.00%
Actual Capital (percent)	13.40%

Quarterly Financial Data (un100

Quarterly Financial Data (unaudited) (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Quarterly Financial Data [Abstract]
Total revenue	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 1,305	$ 1,261	$ 1,191	$ 1,097	$ 6,454	$ 4,854	$ 3,344
Income before income taxes	167	231	225	214	120	208	265	222	837	815	883
Net income	$ 131	$ 179	$ 186	$ 150	$ 59	$ 158	$ 175	$ 145	$ 646	$ 537	$ 566

Guarantor Consolidating Fina101

Guarantor Consolidating Financial Statements - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Due To Affiliates [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Prior Period Reclassification Adjustment	$ 2,000
Parent Company [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Prior Period Reclassification Adjustment	3,100	$ 1,500
Guarantor Subsidiaries [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Prior Period Reclassification Adjustment	1,400	1,000
Guarantor Subsidiaries [Member] | Due From Affiliates [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Prior Period Reclassification Adjustment	$ 443	$ 159

Guarantor Consolidating Fina102

Guarantor Consolidating Financial Statements - Current Period Guarantor Balance Sheet (Details) - USD ($) $ in Millions	Dec. 31, 2015	Jan. 02, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	$ 3,061		$ 2,974	$ 1,074	$ 1,289
Finance receivables, net	36,781		33,000
Leased vehicles, net	20,172		7,060	3,400
Restricted cash	1,941		2,071
Goodwill	1,189	$ 371	1,244	1,240	1,108
Equity in net assets of non-consolidated affiliates (Note 7)	986		0
Property and equipment, net	219		172
Deferred income taxes	231		341
Related party receivables	573		384
Other assets	751		362
Due from affiliates	0		0
Equity in net assets of non-consolidated affiliates	0		0
Total assets	65,904		47,608
Secured debt	30,689		25,173
Unsecured debt	23,657		12,142
Accounts payable and accrued expenses	1,218		1,002
Deferred income	1,454		392
Deferred income taxes	129		20
Related party taxes payable	0		636
Related party payables	362		433
Other liabilities	343		418
Due to affiliates	0		0
Total liabilities	57,852		40,216
Common stock	0		0
Additional paid-in capital	6,484		5,799
Accumulated other comprehensive loss	(1,104)		(433)	11
Retained earnings	2,672		2,026
Total shareholder's equity	8,052		7,392
Total liabilities and shareholder's equity	65,904		47,608
Parent Company [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0		0	0	0
Finance receivables, net	0		0
Leased vehicles, net	0		0
Restricted cash	0		0
Goodwill	1,095		1,095
Equity in net assets of non-consolidated affiliates (Note 7)	0
Property and equipment, net	0		0
Deferred income taxes	212		28
Related party receivables	0		0
Other assets	32		29
Due from affiliates	15,573		6,787
Equity in net assets of non-consolidated affiliates	8,476		7,684
Total assets	25,388		15,623
Secured debt	0		0
Unsecured debt	17,087		7,435
Accounts payable and accrued expenses	181		78
Deferred income	0		0
Deferred income taxes	0		0
Related party taxes payable			636
Related party payables	0		0
Other liabilities	68		82
Due to affiliates	0		0
Total liabilities	17,336		8,231
Common stock	0		0
Additional paid-in capital	6,484		5,799
Accumulated other comprehensive loss	(1,104)		(433)
Retained earnings	2,672		2,026
Total shareholder's equity	8,052		7,392
Total liabilities and shareholder's equity	25,388		15,623
Guarantor Subsidiaries [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	2,259		2,266	395	1,252
Finance receivables, net	4,808		2,401
Leased vehicles, net	0		0
Restricted cash	60		17
Goodwill	0		0
Equity in net assets of non-consolidated affiliates (Note 7)	0
Property and equipment, net	41		23
Deferred income taxes	0		0
Related party receivables	27		11
Other assets	32		18
Due from affiliates	7,556		1,965
Equity in net assets of non-consolidated affiliates	6,425		4,059
Total assets	21,208		10,760
Secured debt	0		0
Unsecured debt	0		0
Accounts payable and accrued expenses	717		156
Deferred income	0		0
Deferred income taxes	289		288
Related party taxes payable			0
Related party payables	0		0
Other liabilities	34		12
Due to affiliates	15,495		6,129
Total liabilities	16,535		6,585
Common stock	0		0
Additional paid-in capital	79		79
Accumulated other comprehensive loss	(175)		(64)
Retained earnings	4,769		4,160
Total shareholder's equity	4,673		4,175
Total liabilities and shareholder's equity	21,208		10,760
Non-Guarantor Subsidiaries [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	802		708	679	37
Finance receivables, net	31,973		30,599
Leased vehicles, net	20,172		7,060
Restricted cash	1,881		2,054
Goodwill	94		149
Equity in net assets of non-consolidated affiliates (Note 7)	986
Property and equipment, net	178		149
Deferred income taxes	179		601
Related party receivables	546		373
Other assets	687		315
Due from affiliates	0		400
Equity in net assets of non-consolidated affiliates	0		0
Total assets	57,498		42,408
Secured debt	30,689		25,173
Unsecured debt	6,570		4,707
Accounts payable and accrued expenses	320		768
Deferred income	1,454		392
Deferred income taxes	0		20
Related party taxes payable			0
Related party payables	362		433
Other liabilities	241		324
Due to affiliates	7,634		3,023
Total liabilities	47,270		34,840
Common stock	698		690
Additional paid-in capital	6,490		4,064
Accumulated other comprehensive loss	(1,095)		(410)
Retained earnings	4,135		3,224
Total shareholder's equity	10,228		7,568
Total liabilities and shareholder's equity	57,498		42,408
Consolidation, Eliminations [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Cash and cash equivalents	0		0	$ 0	$ 0
Finance receivables, net	0		0
Leased vehicles, net	0		0
Restricted cash	0		0
Goodwill	0		0
Equity in net assets of non-consolidated affiliates (Note 7)	0
Property and equipment, net	0		0
Deferred income taxes	(160)		(288)
Related party receivables	0		0
Other assets	0		0
Due from affiliates	(23,129)		(9,152)
Equity in net assets of non-consolidated affiliates	(14,901)		(11,743)
Total assets	(38,190)		(21,183)
Secured debt	0		0
Unsecured debt	0		0
Accounts payable and accrued expenses	0		0
Deferred income	0		0
Deferred income taxes	(160)		(288)
Related party taxes payable			0
Related party payables	0		0
Other liabilities	0		0
Due to affiliates	(23,129)		(9,152)
Total liabilities	(23,289)		(9,440)
Common stock	(698)		(690)
Additional paid-in capital	(6,569)		(4,143)
Accumulated other comprehensive loss	1,270		474
Retained earnings	(8,904)		(7,384)
Total shareholder's equity	(14,901)		(11,743)
Total liabilities and shareholder's equity	$ (38,190)		$ (21,183)

Guarantor Consolidating Fina103

Guarantor Consolidating Financial Statements - Guarantor Income Statements (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Condensed Income Statements, Captions [Line Items]
Finance charge income									$ 3,381	$ 3,475	$ 2,563
Leased vehicle income									2,807	1,090	595
Other income									266	289	186
Total revenue	$ 1,878	$ 1,707	$ 1,515	$ 1,354	$ 1,305	$ 1,261	$ 1,191	$ 1,097	6,454	4,854	3,344
Salaries and benefits									726	614	448
Other operating expenses									567	548	322
Total operating expenses									1,293	1,162	770
Leased vehicle expenses									2,200	847	453
Provision for loan losses									624	604	475
Interest expense									1,616	1,426	721
Acquisition and integration expenses									0	0	42
Total costs and expenses									5,733	4,039	2,461
Equity income									116	0	0
Income before income taxes	167	231	225	214	120	208	265	222	837	815	883
Income tax (benefit) provision									191	278	317
Net income	$ 131	$ 179	$ 186	$ 150	$ 59	$ 158	$ 175	$ 145	646	537	566
Comprehensive (loss) income									(25)	93	580
Parent Company [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									0	0	0
Leased vehicle income									0	0	0
Other income									13	68	56
Total revenue									13	68	56
Salaries and benefits									0	0	0
Other operating expenses									64	159	(100)
Total operating expenses									64	159	(100)
Leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									488	232	180
Acquisition and integration expenses											0
Total costs and expenses									552	391	80
Equity income									941	757	584
Income before income taxes									402	434	560
Income tax (benefit) provision									(244)	(103)	(6)
Net income									646	537	566
Comprehensive (loss) income									(25)	93	580
Guarantor Subsidiaries [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									403	194	140
Leased vehicle income									0	0	0
Other income									505	432	433
Total revenue									908	626	573
Salaries and benefits									332	249	216
Other operating expenses									105	(17)	228
Total operating expenses									437	232	444
Leased vehicle expenses									0	0	0
Provision for loan losses									398	334	239
Interest expense									18	23	37
Acquisition and integration expenses											0
Total costs and expenses									853	589	720
Equity income									579	523	551
Income before income taxes									634	560	404
Income tax (benefit) provision									25	12	(42)
Net income									609	548	446
Comprehensive (loss) income									498	491	449
Non-Guarantor Subsidiaries [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									2,978	3,281	2,423
Leased vehicle income									2,807	1,090	595
Other income									139	178	105
Total revenue									5,924	4,549	3,123
Salaries and benefits									394	365	232
Other operating expenses									649	657	441
Total operating expenses									1,043	1,022	673
Leased vehicle expenses									2,200	847	453
Provision for loan losses									226	270	236
Interest expense									1,250	1,309	665
Acquisition and integration expenses											42
Total costs and expenses									4,719	3,448	2,069
Equity income									116	0	0
Income before income taxes									1,321	1,101	1,054
Income tax (benefit) provision									410	369	365
Net income									911	732	689
Comprehensive (loss) income									225	298	700
Consolidation, Eliminations [Member]
Condensed Income Statements, Captions [Line Items]
Finance charge income									0	0	0
Leased vehicle income									0	0	0
Other income									(391)	(389)	(408)
Total revenue									(391)	(389)	(408)
Salaries and benefits									0	0	0
Other operating expenses									(251)	(251)	(247)
Total operating expenses									(251)	(251)	(247)
Leased vehicle expenses									0	0	0
Provision for loan losses									0	0	0
Interest expense									(140)	(138)	(161)
Acquisition and integration expenses											0
Total costs and expenses									(391)	(389)	(408)
Equity income									(1,520)	(1,280)	(1,135)
Income before income taxes									(1,520)	(1,280)	(1,135)
Income tax (benefit) provision									0	0	0
Net income									(1,520)	(1,280)	(1,135)
Comprehensive (loss) income									$ (723)	$ (789)	$ (1,149)

Guarantor Consolidating Fina104

Guarantor Consolidating Financial Statements - Guarantor Cash Flow (Details) - USD ($) $ in Millions	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities
Net income	$ 131	$ 179	$ 186	$ 150	$ 59	$ 158	$ 175	$ 145	$ 646	$ 537	$ 566
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									2,403	992	545
Accretion and amortization of loan and leasing fees									(609)	(363)	(88)
Amortization of carrying value adjustment									(149)	(234)	(94)
Equity in income of affiliates									(116)	0	0
Provision for loan losses									624	604	475
Deferred income taxes									132	(83)	179
Stock-based compensation expense									36	19	9
Other									(37)	182	(167)
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									(104)	(88)	(127)
Accounts payable and accrued expenses									282	133	195
Taxes payable									(20)	(63)	20
Related party taxes payable									(636)	(7)	84
Related party payables									(13)	5	(39)
Net cash provided by operating activities									2,439	1,634	1,558
Cash flows from investing activities
Purchases of retail finance receivables, net									(17,517)	(14,749)	(9,573)
Principal collections and recoveries on retail finance receivables									11,726	10,860	7,524
Proceeds from transfer of retail finance receivables, net									0	0	0
Net funding of commercial finance receivables									(1,017)	(1,898)	(1,266)
Purchases of leased vehicles, net									(15,337)	(4,882)	(2,262)
Proceeds from termination of leased vehicles									1,096	533	217
Acquisition of international operations									(1,049)	(46)	(2,615)
Disposition of equity interest									125	0	0
Purchases of property and equipment									(90)	(52)	(16)
Change in restricted cash									(264)	(232)	(267)
Change in other assets									30	(2)	3
Net change in due from affiliates									0	0	0
Net change in investment in affiliates									0	0	0
Net cash used in investing activities									(22,297)	(10,468)	(8,255)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									1,147	470	0
Borrowings and issuance of secured debt									22,385	21,080	17,378
Payments on secured debt									(15,178)	(16,890)	(13,222)
Borrowings and issuance of unsecured debt									12,977	7,174	5,224
Payments on unsecured debt									(1,709)	(1,889)	(2,699)
Borrowings on related party line of credit									0	0	1,100
Payments on related party line of credit									0	0	(1,100)
Repayment of debt to Ally Financial									0	0	(1,416)
Capital contributions from related party									649	996	1,300
Debt issuance costs									(155)	(127)	(76)
Net change in due to affiliates									0	0	0
Other									1	0	2
Net cash provided by financing activities									20,117	10,814	6,491
Net increase (decrease) in cash and cash equivalents									259	1,980	(206)
Effect of foreign exchange rate changes on cash and cash equivalents									(172)	(80)	(9)
Cash and cash equivalents at beginning of period				2,974				1,074	2,974	1,074	1,289
Cash and cash equivalents at end of period	3,061				2,974				3,061	2,974	1,074
Parent Company [Member]
Cash flows from operating activities
Net income									646	537	566
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									28	14	8
Accretion and amortization of loan and leasing fees									0	0	0
Amortization of carrying value adjustment									0	0	0
Equity in income of affiliates									(941)	(757)	(584)
Provision for loan losses									0	0	0
Deferred income taxes									(189)	1	9
Stock-based compensation expense									33	18	9
Other									32	137	(118)
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									(3)	(18)	(71)
Accounts payable and accrued expenses									100	36	73
Taxes payable									(12)	(3)	(6)
Related party taxes payable									(636)	(7)	84
Related party payables									1	0	0
Net cash provided by operating activities									(941)	(42)	(30)
Cash flows from investing activities
Purchases of retail finance receivables, net									0	0	0
Principal collections and recoveries on retail finance receivables									0	0	0
Proceeds from transfer of retail finance receivables, net									0	0	0
Net funding of commercial finance receivables									0	0	0
Purchases of leased vehicles, net									0	0	0
Proceeds from termination of leased vehicles									0	0	0
Acquisition of international operations									(513)	(46)	(3,222)
Disposition of equity interest									0
Purchases of property and equipment									0	0	0
Change in restricted cash									0	0	0
Change in other assets									0	0	0
Net change in due from affiliates									(8,819)	(3,149)	(1,531)
Net change in investment in affiliates									(6)	(357)	(29)
Net cash used in investing activities									(9,338)	(3,552)	(4,782)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									0	0
Borrowings and issuance of secured debt									0	0	0
Payments on secured debt									0	0	0
Borrowings and issuance of unsecured debt									9,687	3,500	2,500
Payments on unsecured debt									0	0	0
Borrowings on related party line of credit											1,100
Payments on related party line of credit											(1,100)
Repayment of debt to Ally Financial											0
Capital contributions from related party									649	996	1,478
Debt issuance costs									(58)	(39)	(30)
Net change in due to affiliates									0	(863)	863
Other									1		1
Net cash provided by financing activities									10,279	3,594	4,812
Net increase (decrease) in cash and cash equivalents									0	0	0
Effect of foreign exchange rate changes on cash and cash equivalents									0	0	0
Cash and cash equivalents at beginning of period				0				0	0	0	0
Cash and cash equivalents at end of period	0				0				0	0	0
Guarantor Subsidiaries [Member]
Cash flows from operating activities
Net income									609	548	446
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									3	2	2
Accretion and amortization of loan and leasing fees									25	4	2
Amortization of carrying value adjustment									(14)	(4)	(2)
Equity in income of affiliates									(579)	(523)	(551)
Provision for loan losses									398	334	239
Deferred income taxes									2	127	133
Stock-based compensation expense									0	0	0
Other									(5)	(2)	0
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									25	(14)	22
Accounts payable and accrued expenses									531	(25)	34
Taxes payable									1	0	(5)
Related party taxes payable									0	0	0
Related party payables									0	0	0
Net cash provided by operating activities									996	447	320
Cash flows from investing activities
Purchases of retail finance receivables, net									(13,997)	(8,220)	(6,119)
Principal collections and recoveries on retail finance receivables									755	(99)	(124)
Proceeds from transfer of retail finance receivables, net									10,428	6,369	6,921
Net funding of commercial finance receivables									6	(128)	39
Purchases of leased vehicles, net									0	0	0
Proceeds from termination of leased vehicles									0	0	0
Acquisition of international operations									(536)	0	0
Disposition of equity interest									125
Purchases of property and equipment									(21)	(20)	(3)
Change in restricted cash									(43)	3	(16)
Change in other assets									0	0	0
Net change in due from affiliates									(5,593)	(443)	(1,022)
Net change in investment in affiliates									(1,893)	(27)	(818)
Net cash used in investing activities									(10,769)	(2,565)	(1,142)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									0	0
Borrowings and issuance of secured debt									0	0	0
Payments on secured debt									0	0	0
Borrowings and issuance of unsecured debt									0	0	0
Payments on unsecured debt									0	0	0
Borrowings on related party line of credit											0
Payments on related party line of credit											0
Repayment of debt to Ally Financial											0
Capital contributions from related party									0	0	0
Debt issuance costs									0	0	0
Net change in due to affiliates									9,766	3,989	(35)
Other									0		0
Net cash provided by financing activities									9,766	3,989	(35)
Net increase (decrease) in cash and cash equivalents									(7)	1,871	(857)
Effect of foreign exchange rate changes on cash and cash equivalents									0	0	0
Cash and cash equivalents at beginning of period				2,266				395	2,266	395	1,252
Cash and cash equivalents at end of period	2,259				2,266				2,259	2,266	395
Non-Guarantor Subsidiaries [Member]
Cash flows from operating activities
Net income									911	732	689
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									2,372	976	535
Accretion and amortization of loan and leasing fees									(634)	(367)	(90)
Amortization of carrying value adjustment									(135)	(230)	(92)
Equity in income of affiliates									(116)	0	0
Provision for loan losses									226	270	236
Deferred income taxes									319	(211)	37
Stock-based compensation expense									3	1	0
Other									(64)	47	(49)
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									(126)	(56)	(78)
Accounts payable and accrued expenses									(349)	122	88
Taxes payable									(9)	(60)	31
Related party taxes payable									0	0	0
Related party payables									(14)	5	(39)
Net cash provided by operating activities									2,384	1,229	1,268
Cash flows from investing activities
Purchases of retail finance receivables, net									(16,981)	(14,321)	(11,360)
Principal collections and recoveries on retail finance receivables									10,971	10,959	7,648
Proceeds from transfer of retail finance receivables, net									3,033	1,423	985
Net funding of commercial finance receivables									(1,023)	(1,770)	(1,351)
Purchases of leased vehicles, net									(15,337)	(4,882)	(2,262)
Proceeds from termination of leased vehicles									1,096	533	217
Acquisition of international operations									0	0	607
Disposition of equity interest									0
Purchases of property and equipment									(69)	(32)	(13)
Change in restricted cash									(221)	(235)	(251)
Change in other assets									30	(2)	3
Net change in due from affiliates									0	(400)	0
Net change in investment in affiliates									0	0	0
Net cash used in investing activities									(18,501)	(8,727)	(5,777)
Cash flows from financing activities
Net change in debt (original maturities less than three months)									1,147	470
Borrowings and issuance of secured debt									22,385	21,080	17,378
Payments on secured debt									(15,178)	(16,890)	(13,222)
Borrowings and issuance of unsecured debt									3,290	3,674	2,724
Payments on unsecured debt									(1,709)	(1,889)	(2,699)
Borrowings on related party line of credit											0
Payments on related party line of credit											0
Repayment of debt to Ally Financial											(1,416)
Capital contributions from related party									1,899	382	672
Debt issuance costs									(97)	(88)	(46)
Net change in due to affiliates									4,646	866	1,771
Other									0		1
Net cash provided by financing activities									16,383	7,605	5,163
Net increase (decrease) in cash and cash equivalents									266	107	654
Effect of foreign exchange rate changes on cash and cash equivalents									(172)	(78)	(12)
Cash and cash equivalents at beginning of period				708				679	708	679	37
Cash and cash equivalents at end of period	802				708				802	708	679
Consolidation, Eliminations [Member]
Cash flows from operating activities
Net income									(1,520)	(1,280)	(1,135)
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization									0	0	0
Accretion and amortization of loan and leasing fees									0	0	0
Amortization of carrying value adjustment									0	0	0
Equity in income of affiliates									1,520	1,280	1,135
Provision for loan losses									0	0	0
Deferred income taxes									0	0	0
Stock-based compensation expense									0	0	0
Other									0	0	0
Changes in assets and liabilities, net of assets and liabilities acquired:
Other assets									0	0	0
Accounts payable and accrued expenses									0	0	0
Taxes payable									0	0	0
Related party taxes payable									0	0	0
Related party payables									0	0	0
Net cash provided by operating activities									0	0	0
Cash flows from investing activities
Purchases of retail finance receivables, net									13,461	7,792	7,906
Principal collections and recoveries on retail finance receivables									0	0	0
Proceeds from transfer of retail finance receivables, net									(13,461)	(7,792)	(7,906)
Net funding of commercial finance receivables									0	0	46
Purchases of leased vehicles, net									0	0	0
Proceeds from termination of leased vehicles									0	0	0
Acquisition of international operations									0	0	0
Disposition of equity interest									0
Purchases of property and equipment									0	0	0
Change in restricted cash									0	0	0
Change in other assets									0	0	0
Net change in due from affiliates									14,412	3,992	2,553
Net change in investment in affiliates									1,899	384	847
Net cash used in investing activities									16,311	4,376	3,446
Cash flows from financing activities
Net change in debt (original maturities less than three months)									0	0
Borrowings and issuance of secured debt									0	0	0
Payments on secured debt									0	0	0
Borrowings and issuance of unsecured debt									0	0	0
Payments on unsecured debt									0	0	0
Borrowings on related party line of credit											0
Payments on related party line of credit											0
Repayment of debt to Ally Financial											0
Capital contributions from related party									(1,899)	(382)	(850)
Debt issuance costs									0	0	0
Net change in due to affiliates									(14,412)	(3,992)	(2,599)
Other									0		0
Net cash provided by financing activities									(16,311)	(4,374)	(3,449)
Net increase (decrease) in cash and cash equivalents									0	2	(3)
Effect of foreign exchange rate changes on cash and cash equivalents									0	(2)	3
Cash and cash equivalents at beginning of period				$ 0				$ 0	0	0	0
Cash and cash equivalents at end of period	$ 0				$ 0				$ 0	$ 0	$ 0